Call reports 2005
FIDELITY & TRUST BANK — 2005
What FIDELITY & TRUST 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 | 232,094,000 | 325,335,000 | 377,323,000 | 367,376,000 |
| Total loans | 178,966,000 | 246,300,000 | 260,693,000 | 254,063,000 |
| Allowance for loan losses | 1,179,000 | 1,564,000 | 1,798,000 | 1,508,000 |
| Securities available for sale | 1,982,000 | 14,863,000 | 44,048,000 | 54,845,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 120,309,000 | 181,164,000 | 230,797,000 | 258,409,000 |
| Interest-bearing deposits | 103,636,000 | 157,740,000 | 201,494,000 | 227,900,000 |
| Noninterest-bearing deposits | 16,673,000 | 23,424,000 | 29,303,000 | 30,509,000 |
| Equity capital | 27,665,000 | 33,935,000 | 34,775,000 | 35,083,000 |
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 | 3,240,000 | 7,197,000 | 12,376,000 | 17,829,000 |
| Interest expense | 1,682,000 | 3,758,000 | 6,348,000 | 9,074,000 |
| Net interest income | 1,558,000 | 3,439,000 | 6,028,000 | 8,755,000 |
| Noninterest income | 8,909,000 | 18,640,000 | 28,731,000 | 19,895,000 |
| Noninterest expense | 9,914,000 | 20,678,000 | 31,398,000 | 24,632,000 |
| Provision for loan losses | 539,000 | 975,000 | 1,371,000 | 828,000 |
| Pretax income | 14,000 | 426,000 | 1,990,000 | 3,190,000 |
| Income tax | 5,000 | 145,000 | 677,000 | 1,355,000 |
| Net income | 9,000 | 281,000 | 1,313,000 | 1,835,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,670,000 | 33,942,000 | 34,974,000 | 35,496,000 |
| Total capital | 28,899,000 | 35,581,000 | 36,867,000 | 37,352,000 |
| Risk-weighted assets | 140,051,000 | 188,940,000 | 209,179,000 | 216,488,000 |