Call reports 2005
FIDELITY BANK — 2005
What FIDELITY BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 54,561,000 | 56,758,000 | 56,774,000 | 60,736,000 |
| Total loans | 42,029,000 | 44,156,000 | 44,085,000 | 44,085,000 |
| Allowance for loan losses | 407,000 | 397,000 | 397,000 | 398,000 |
| Securities available for sale | 6,884,000 | 6,457,000 | 6,223,000 | 6,039,000 |
| Securities held to maturity | 300,000 | 500,000 | 500,000 | 500,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 44,058,000 | 46,556,000 | 46,335,000 | 50,235,000 |
| Interest-bearing deposits | 40,137,000 | 42,183,000 | 42,223,000 | 46,102,000 |
| Noninterest-bearing deposits | 3,921,000 | 4,373,000 | 4,112,000 | 4,133,000 |
| Equity capital | 7,654,000 | 7,831,000 | 7,923,000 | 7,950,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 712,000 | 1,527,000 | 2,335,000 | 3,203,000 |
| Interest expense | 224,000 | 476,000 | 769,000 | 1,114,000 |
| Net interest income | 488,000 | 1,051,000 | 1,566,000 | 2,089,000 |
| Noninterest income | 32,000 | 64,000 | 93,000 | 122,000 |
| Noninterest expense | 331,000 | 669,000 | 974,000 | 1,324,000 |
| Provision for loan losses | 29,000 | 29,000 | 29,000 | 29,000 |
| Pretax income | 160,000 | 417,000 | 656,000 | 858,000 |
| Income tax | 2,000 | 6,000 | 10,000 | 13,000 |
| Net income | 158,000 | 411,000 | 646,000 | 845,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,633,000 | 4,763,000 | 4,876,000 | 4,951,000 |
| Total capital | 5,040,000 | 5,160,000 | 5,273,000 | 5,349,000 |
| Risk-weighted assets | 41,504,000 | 44,941,000 | 44,945,000 | 43,455,000 |