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 | 1,267,056,000 | 1,345,671,000 | 1,378,749,000 | 1,404,514,000 |
| Total loans | 1,042,693,000 | 1,098,471,000 | 1,117,487,000 | 1,129,777,000 |
| Allowance for loan losses | 12,558,000 | 12,909,000 | 13,100,000 | 12,643,000 |
| Securities available for sale | 107,621,000 | 102,646,000 | 105,032,000 | 124,200,000 |
| Securities held to maturity | 44,574,000 | 42,654,000 | 40,318,000 | 38,333,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,027,567,000 | 1,091,175,000 | 1,106,417,000 | 1,125,757,000 |
| Interest-bearing deposits | 906,342,000 | 963,928,000 | 992,646,000 | 1,004,371,000 |
| Noninterest-bearing deposits | 121,225,000 | 127,247,000 | 113,771,000 | 121,386,000 |
| Equity capital | 101,737,000 | 104,937,000 | 108,909,000 | 110,799,000 |
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 | 16,375,000 | 34,262,000 | 53,000,000 | 73,369,000 |
| Interest expense | 6,271,000 | 13,884,000 | 22,342,000 | 31,817,000 |
| Net interest income | 10,104,000 | 20,378,000 | 30,658,000 | 41,552,000 |
| Noninterest income | 3,367,000 | 6,902,000 | 11,004,000 | 14,633,000 |
| Noninterest expense | 8,557,000 | 17,049,000 | 25,897,000 | 35,189,000 |
| Provision for loan losses | 900,000 | 1,800,000 | 2,500,000 | 2,900,000 |
| Pretax income | 4,014,000 | 8,463,000 | 13,297,000 | 18,128,000 |
| Income tax | 1,405,000 | 2,966,000 | 4,664,000 | 6,333,000 |
| Net income | 2,609,000 | 5,497,000 | 8,633,000 | 11,795,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 102,957,000 | 104,875,000 | 110,041,000 | 112,233,000 |
| Total capital | 125,774,000 | 128,052,000 | 133,414,000 | 135,149,000 |
| Risk-weighted assets | 1,110,055,000 | 1,182,183,000 | 1,206,172,000 | 1,223,812,000 |