Call reports 2006
FIDELITY & TRUST BANK — 2006
What FIDELITY & TRUST BANK 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 | 382,720,000 | 407,041,000 | 384,031,000 | 481,564,000 |
| Total loans | 235,444,000 | 277,293,000 | 266,773,000 | 334,441,000 |
| Allowance for loan losses | 1,650,000 | 1,806,000 | 2,000,000 | 2,150,000 |
| Securities available for sale | 67,662,000 | 70,362,000 | 68,393,000 | 81,678,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 305,173,000 | 281,853,000 | 266,640,000 | 336,772,000 |
| Interest-bearing deposits | 264,978,000 | 240,865,000 | 223,940,000 | 284,569,000 |
| Noninterest-bearing deposits | 40,195,000 | 40,988,000 | 42,700,000 | 52,203,000 |
| Equity capital | 35,284,000 | 35,565,000 | 36,359,000 | 35,410,000 |
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 | 5,895,000 | 12,509,000 | 19,459,000 | 26,974,000 |
| Interest expense | 2,706,000 | 5,861,000 | 9,447,000 | 13,420,000 |
| Net interest income | 3,189,000 | 6,648,000 | 10,012,000 | 13,554,000 |
| Noninterest income | 3,927,000 | 7,407,000 | 11,950,000 | 14,992,000 |
| Noninterest expense | 6,234,000 | 12,027,000 | 19,346,000 | 27,489,000 |
| Provision for loan losses | 142,000 | 298,000 | 507,000 | 671,000 |
| Pretax income | 740,000 | 1,730,000 | 2,109,000 | 386,000 |
| Income tax | 259,000 | 631,000 | 770,000 | 93,000 |
| Net income | 481,000 | 1,099,000 | 1,339,000 | 293,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,978,000 | 36,595,000 | 36,836,000 | 35,790,000 |
| Total capital | 38,161,000 | 38,889,000 | 39,487,000 | 39,622,000 |
| Risk-weighted assets | 216,431,000 | 246,576,000 | 245,127,000 | 306,353,000 |