Call reports 2006
FIDELITY BANK & TRUST — 2006
What FIDELITY BANK & TRUST reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 113,771,000 | 116,725,000 | 118,057,000 | 121,495,000 |
| Total loans | 100,006,000 | 103,940,000 | 105,903,000 | 106,990,000 |
| Allowance for loan losses | 520,000 | 535,000 | 550,000 | 565,000 |
| Securities available for sale | 7,936,000 | 6,895,000 | 5,945,000 | 6,905,000 |
| Securities held to maturity | 585,000 | 160,000 | 160,000 | 160,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 89,579,000 | 93,568,000 | 94,965,000 | 98,090,000 |
| Interest-bearing deposits | 80,283,000 | 84,860,000 | 85,725,000 | 88,900,000 |
| Noninterest-bearing deposits | 9,296,000 | 8,708,000 | 9,240,000 | 9,190,000 |
| Equity capital | 9,075,000 | 9,393,000 | 9,701,000 | 9,993,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,756,000 | 3,653,000 | 5,619,000 | 7,603,000 |
| Interest expense | 772,000 | 1,638,000 | 2,577,000 | 3,570,000 |
| Net interest income | 984,000 | 2,015,000 | 3,042,000 | 4,033,000 |
| Noninterest income | 68,000 | 132,000 | 192,000 | 304,000 |
| Noninterest expense | 583,000 | 1,174,000 | 1,773,000 | 2,398,000 |
| Provision for loan losses | 0 | 15,000 | 30,000 | 45,000 |
| Pretax income | 469,000 | 958,000 | 1,431,000 | 1,894,000 |
| Income tax | 169,000 | 345,000 | 516,000 | 687,000 |
| Net income | 300,000 | 613,000 | 915,000 | 1,207,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,089,000 | 9,402,000 | 9,704,000 | 9,996,000 |
| Total capital | 9,609,000 | 9,937,000 | 10,254,000 | 10,561,000 |
| Risk-weighted assets | 94,198,000 | 99,072,000 | 100,875,000 | 102,171,000 |