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 | 60,632,000 | 70,705,000 | 83,991,000 | 99,743,000 |
| Total loans | 39,371,000 | 46,089,000 | 57,993,000 | 69,946,000 |
| Allowance for loan losses | 485,000 | 592,000 | 715,000 | 864,000 |
| Securities available for sale | 9,227,000 | 9,674,000 | 11,101,000 | 13,888,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 53,502,000 | 63,363,000 | 75,965,000 | 91,418,000 |
| Interest-bearing deposits | 41,778,000 | 51,309,000 | 59,276,000 | 63,895,000 |
| Noninterest-bearing deposits | 11,724,000 | 12,054,000 | 16,689,000 | 27,523,000 |
| Equity capital | 7,020,000 | 7,149,000 | 7,816,000 | 8,075,000 |
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 | 711,000 | 1,558,000 | 2,687,000 | 4,137,000 |
| Interest expense | 162,000 | 386,000 | 707,000 | 1,097,000 |
| Net interest income | 549,000 | 1,172,000 | 1,980,000 | 3,040,000 |
| Noninterest income | 100,000 | 204,000 | 358,000 | 487,000 |
| Noninterest expense | 496,000 | 983,000 | 1,646,000 | 2,380,000 |
| Provision for loan losses | 30,000 | 137,000 | 260,000 | 409,000 |
| Pretax income | 123,000 | 256,000 | 432,000 | 738,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 123,000 | 256,000 | 432,000 | 738,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,098,000 | 7,231,000 | 7,906,000 | 8,212,000 |
| Total capital | 7,583,000 | 7,823,000 | 8,621,000 | 9,076,000 |
| Risk-weighted assets | 46,581,000 | 55,835,000 | 65,864,000 | 77,804,000 |