Call reports 2005
FIDELITY BANK, THE — 2005
What FIDELITY BANK, THE 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 | 1,191,221,000 | 1,195,980,000 | 1,240,070,000 | 1,256,512,000 |
| Total loans | 789,460,000 | 810,921,000 | 828,220,000 | 876,747,000 |
| Allowance for loan losses | 12,936,000 | 13,406,000 | 13,014,000 | 13,879,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 185,207,000 | 214,411,000 | 184,830,000 | 203,965,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,039,681,000 | 1,046,761,000 | 1,087,615,000 | 1,098,611,000 |
| Interest-bearing deposits | 814,847,000 | 805,056,000 | 837,418,000 | 859,404,000 |
| Noninterest-bearing deposits | 224,834,000 | 241,706,000 | 250,197,000 | 239,207,000 |
| Equity capital | 117,701,000 | 120,342,000 | 123,107,000 | 126,071,000 |
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 | 14,472,000 | 30,427,000 | 47,600,000 | 66,504,000 |
| Interest expense | 3,473,000 | 7,446,000 | 12,060,000 | 17,390,000 |
| Net interest income | 10,999,000 | 22,981,000 | 35,540,000 | 49,114,000 |
| Noninterest income | 2,552,000 | 5,342,000 | 8,336,000 | 11,461,000 |
| Noninterest expense | 8,772,000 | 17,538,000 | 26,721,000 | 36,224,000 |
| Provision for loan losses | 225,000 | 825,000 | 1,425,000 | 2,325,000 |
| Pretax income | 4,554,000 | 9,960,000 | 15,730,000 | 22,026,000 |
| Income tax | 1,723,000 | 3,740,000 | 5,892,000 | 8,377,000 |
| Net income | 2,831,000 | 6,220,000 | 9,838,000 | 13,649,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 94,605,000 | 97,423,000 | 100,355,000 | 103,487,000 |
| Total capital | 104,981,000 | 108,103,000 | 111,306,000 | 114,964,000 |
| Risk-weighted assets | 827,501,000 | 851,694,000 | 873,901,000 | 915,648,000 |