Call reports 2005
FIDELITY BANK & TRUST — 2005
What FIDELITY BANK & TRUST 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 | 101,028,000 | 105,419,000 | 114,438,000 | 114,901,000 |
| Total loans | 91,065,000 | 94,229,000 | 95,945,000 | 97,141,000 |
| Allowance for loan losses | 521,000 | 521,000 | 520,000 | 519,000 |
| Securities available for sale | 4,450,000 | 4,466,000 | 10,420,000 | 10,864,000 |
| Securities held to maturity | 1,050,000 | 1,050,000 | 1,050,000 | 810,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 80,852,000 | 81,956,000 | 92,745,000 | 91,586,000 |
| Interest-bearing deposits | 72,627,000 | 73,138,000 | 82,126,000 | 81,704,000 |
| Noninterest-bearing deposits | 8,225,000 | 8,818,000 | 10,619,000 | 9,882,000 |
| Equity capital | 7,698,000 | 7,981,000 | 8,253,000 | 8,572,000 |
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 | 1,433,000 | 2,954,000 | 4,552,000 | 6,278,000 |
| Interest expense | 521,000 | 1,111,000 | 1,778,000 | 2,529,000 |
| Net interest income | 912,000 | 1,843,000 | 2,774,000 | 3,749,000 |
| Noninterest income | 47,000 | 111,000 | 163,000 | 258,000 |
| Noninterest expense | 571,000 | 1,141,000 | 1,704,000 | 2,278,000 |
| Provision for loan losses | 20,000 | 20,000 | 20,000 | 20,000 |
| Pretax income | 368,000 | 793,000 | 1,213,000 | 1,709,000 |
| Income tax | 131,000 | 283,000 | 432,000 | 613,000 |
| Net income | 237,000 | 510,000 | 781,000 | 1,096,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,730,000 | 8,003,000 | 8,274,000 | 8,589,000 |
| Total capital | 8,251,000 | 8,524,000 | 8,794,000 | 9,108,000 |
| Risk-weighted assets | 87,386,000 | 90,087,000 | 90,426,000 | 92,997,000 |