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0000950144-04-009391.txt : 200409280000950144-04-009391.hdr.sgml : 2004092820040928144517ACCESSION NUMBER:0000950144-04-009391CONFORMED SUBMISSION TYPE:8-KPUBLIC DOCUMENT COUNT:32CONFORMED PERIOD OF REPORT:20040928ITEM INFORMATION:Regulation FD DisclosureITEM INFORMATION:Financial Statements and ExhibitsFILED AS OF DATE:20040928DATE AS OF CHANGE:20040928
FILER:
COMPANY DATA:COMPANY CONFORMED NAME:FIDELITY SOUTHERN CORPCENTRAL INDEX KEY:0000822662STANDARD INDUSTRIAL CLASSIFICATION:SAVINGS INSTITUTION, FEDERALLY CHARTERED [6035]IRS NUMBER:581416811STATE OF INCORPORATION:GAFISCAL YEAR END:1231
FILING VALUES:FORM TYPE:8-KSEC ACT:1934 ActSEC FILE NUMBER:000-22374FILM NUMBER:041049580
BUSINESS ADDRESS:STREET 1:3490 PIEDMONT RDSTREET 2:STE 1550CITY:ATLANTASTATE:GAZIP:30305BUSINESS PHONE:4043715500
MAIL ADDRESS:STREET 1:PO BOX 105075CITY:ATLANTASTATE:GAZIP:30348
FORMER COMPANY:FORMER CONFORMED NAME:FIDELITY NATIONAL CORP /GA/DATE OF NAME CHANGE:19960207
FORMER COMPANY:FORMER CONFORMED NAME:FIDELITY SOUTHERN CORPDATE OF NAME CHANGE:19920703
8-K1g91109e8vk.htmFIDELITY SOUTHERN CORPORATION
FIDELITY SOUTHERN CORPORATION
UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
FORM 8-K
CURRENT REPORT PURSUANT
TO SECTION 13 OR 15(D) OF THE
SECURITIES EXCHANGE ACT OF 1934
Date of report (Date of earliest event reported) September28, 2004
Fidelity Southern Corporation
Georgia
022374
(Commission File Number) 58-1416811
(IRS Employer Identification No.)
3490 Piedmont Road, Suite1550
(Address of Principal Executive Offices)
Atlanta, GA 30305
(Zip Code)
(404)639-6500
Check the appropriate box below if the Form 8-K filing is intended tosimultaneously satisfy the filing obligation of the registrant under any of thefollowing provisions (see General Instruction A.2. below):
o Written communications pursuant to Rule425 under the Securities Act (17 CFR 230.425)
o Soliciting material pursuant to Rule14a-12 under the Exchange Act (17 CFR 240.14a-12)
o Pre-commencement communications pursuant to Rule14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
o Pre-commencement communications pursuant to Rule13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))
Item7.01 RegulationFD Disclosure.
Incorporated by reference are the materials presented by Fidelity SouthernCorporation at the SunTrust Robinson Humphrey Sunbelt Community Bank Conferenceand originally distributed on September28, 2004, which are attached as Exhibit99.1.
This information shall not be deemed to be filed for purposes of Section18 of the Securities Exchange Act of 1934, as amended (the Exchange Act), orotherwise subject to the liabilities of that Section, and is not incorporatedby reference in any filing under the Securities Act of 1933, as amended, or theExchange Act, except as expressly set forth by specific reference in suchfiling.
Item9.01 Financial Statements and Exhibits.
(c) Exhibits.
The following exhibit is furnished herewith:
99.1 Presentation materials distributed by SunTrust Robinson Humphrey SunbeltCommunity Bank Conference and originally distributed on September28,2004.
Signatures
Pursuant to the requirements of the Securities Exchange Act of 1934, theRegistrant has duly caused this report to be signed on its behalf by theundersigned hereunto duly authorized.
Fidelity Southern Corporation
Date: September 28, 2004 By:
/s/ Howard M. Griffith, Jr.
Howard M. Griffith, Jr.
Its:
Chief Financial Officer
EX-99.12g91109exv99w1.htmEX-99.1 PRESENTATION MATERIALS DISTRIBUTED ON SEPTEMBER 28, 2004
EX-99.1 MATERIALS DISTRIBUTED ON SEPTEMBER 28,2004
SunTrust Robinson Humphrey
Sunbelt Community Bank Conference
September 28, 2004
September 28, 2004September 28, 2004September 28, 2004
Presented by
Certain of the statements made herein are forward-looking statements forpurposes of the Securities Act of 1933, as amended, and the Exchange Act of1934. In addition, Fidelity Southern Corporation ("FSC"), through its seniormanagement, may from time to time make forward-looking public statementsconcerning the matters described herein. Such forward-looking statements arenecessarily estimates reflecting the best judgment of FSC's senior managementbased upon current information and involve a number of risks and uncertainties.Actual results could differ materially from the results expressed in the forward-looking statement. Certain factors, which could affect the accuracy of suchforward-looking statements, are identified in the public filings made by FSC withthe Securities and Exchange Commission, including the Company's annual reporton form 10-K for the year ended December 31, 2003, and the Company'squarterly report on form 10-Q for the three months ended June 30, 2004. Forward-looking statements contained in this or other public statements of FSC or its seniormanagement should be considered in light of those factors. FSC undertakes noobligation to revise these statements after the date of this presentation.
Forward - Looking Disclaimer
Fidelity Southern Corporation
Company Overview
Franchise Value: Delivery System
Strategic Focus
The 2003 Repositioning
Financial Performance 2004
2004 Repositioning
Looking Ahead
Company Overview
Headquartered Atlanta, GA
Founded 1974
Listing NASDAQ
Symbol LION
Book Value $8.11*
Market Capitalization $123 Million*
Annual Cash Dividend $.20
* As of June 30, 2004
Company Overview
Name Change May 2003
YTD Loan Growth 12.3%
YTD Deposit Growth 12.2%
YTD Asset Growth 7.4%
Franchise Value: Atlanta MSA
Vibrant Growing City
2002 Population 4,262,584
2012 Estimated Population 5,046,150
Large Metro Areas for Entrepreneurs - #2
Home of 120,000+ Businesses
4.5 % Unemployment (as of July 2004)
44 Accredited Colleges and Universities
Home of World's Busiest Airport
Projected by Newsweek to be NationalLeader for New Jobs: 1998-2025 - 1.8 Mil
Franchise Value: Delivery System
Serving metropolitanAtlanta with 19 full-service branches, 35ATMs and one internet(cyber) branch
www.lionbank.com
Plus loan
production offices andone ATM inJacksonville, Florida
While we may not open any new branches this
year, we are beginning the process of identifying
locations for expansion. Plans for 2005 includeadding 4 branches.
Strategic Focus
Reduced Risk
Repositioned the Bank as a
Community Bank
Improved Asset Quality
Resolved Regulatory Issues
Became a Georgia State Bank -
May 9, 2003
FDIC Became the Bank's
Primary Federal Regulator
2002
2003
Strategic Focus
Strong Core Bank Growth
Improving Asset Quality
Significant Quality Earnings Growth
2004
Strengthened Production Teams Through
Promotions and Hiring
Commercial: New Manager and Lending Officers
Construction: New Manager and Lending Officers
Indirect: Added Seasoned Underwriters
Mortgage: New Manager and Originators
Branches: New Department Manager and Branch Managers
The 2003 Repositioning
Fine Tuned Risk Management and Controls
Kept Pace With Large Bank Technology
Strengthened Capital Position
Strengthened Sales Culture
Advertising, Training, Sales Oriented
Incentive Program
The 2003 Repositioning
Financial Performance - Income 2001 2002 2003 6/1/2003 6/1/2004 Income 1603 3179 3753 2341 3104
Income from Continuing Operations ( in 000's)
Financial Performance - Ratios
Financial Performance - Net Interest Income 2001 2002 2003 6/1/2003 6/1/2004 Income 24341 30245 32880 16298 16885
Net Interest Income ( in 000's)
Net Interest Income ( in 000's)
Commercial Real Estate - Construction Real Estate - Commercial Real Estate - Residential Consumer Real Estate - Home Equity 6/1/2004 102544 136450 79667 73968 452571 48528
Financial Review - Loan Portfolio
Commercial, Financial and Agricultural
2001 2002 2003 6/1/2004 Income 62728 73718 80649 102544
Period-End Balance ( in 000's)
Financial Performance - Loan Growth
Real Estate - Construction 2001 2002 2003 6/1/2004 Income 98051 111510 120179 136450
Period-End Balance ( in 000's)
Financial Performance - Loan Growth
Financial Performance - Loan Growth
Real Estate - Mortgage Commercial 2001 2002 2003 6/1/2004 Income 65963 70928 76487 79667
Period-End Balance ( in 000's)
Financial Performance - Loan Growth
Financial Performance - Loan Growth
Real Estate - Mortgage Residential 2001 2002 2003 6/1/2004 Income 71267 71768 58565 73968
Period-End Balance ( in 000's)
Financial Performance - Loan Growth
Consumer Installment 2001 2002 2003 6/1/2004 Income 316991 379668 413148 452572
Period-End Balance ( in 000's)
Financial Performance - Loan Growth
2001 2002 2003 6/1/2004 NonInterest bearing 112557 114035 111500 120921 DDA & MM 120095 157652 169357 257315 Savings 101172 105810 130992 114113 Brokered 19950 29960 50000 39960 Time 464307 498637 426130 463920
Financial Performance - Deposit Growth
Financial Performance
Financial Performance
Financial Performance - NonInterest Income
( in 000's ) 2001 2002 2003 6/1/2003 6/1/2004 Income 20080 19450 13567 7644 7293
MSGraph.Chart.8MSGraph.Chart.8MSGraph.Chart.8
2001 2002 2003 6/1/2003 6/1/2004 Income 40255 38475 36602 18809 17129
Financial Performance - NonInterest Expense
( in 000's )
( in 000's )( in 000's )( in 000's )
Financial Performance - Capital 2001 2002 2003 6/1/2003 6/1/2004 Income 6.64 7.99 8.01 8.13 8.11
Book Value Per Share
Book Value Per Share
Franchise Value
Largest In-Town Atlanta Full-ServiceCommunity Bank
Seasoned Management Team
Strong Earnings Growth and Potential
Franchise Value
Strong Loan and Deposit Growth
Excellent Liquidity Position
Ethics-Based Corporation
Golden Rule - For Employees,
Customers and Shareholders
Corporate Governance
The 2004 Repositioning
H. Palmer Proctor, Jr., - Fidelity Bank President
Atlanta, GA, September 23, 2004 - Fidelity Southern Corporation (NASDAQ: LION)The Board of Directors of Fidelity Bank has named H. Palmer Proctor, Jr.,President of the Bank, effective October 1, 2004. He was also named a member ofthe Bank's board. Proctor is Senior Vice President of Commercial Lending and hasbeen with the Bank since 1990.
Proctor has served in the past as manager of Branch Administration, Operations,Mortgage, and Investment Services. Proctor recently graduated from the StonierGraduate School of Banking at Georgetown University and is also a graduate ofAuburn University. He has served as Chairman of the Callanwolde Foundation, onthe board of the Frazer Center, and is active in the community.
Proctor has been instrumental in helping to develop Fidelity's growth plan and willbe an important part of Fidelity's future success.
Looking Ahead
Will Work Our Strategic Plan
Three-Year Goals - 15% ROE, 1% ROA
Build Deposits
Resume Branching
4 Branches Planned for 2005
Cross-Sell Existing Customers
Targeted Advertising
Grow Earning Assets
Manage Costs
Anticipate Strong Earnings Growth in '04 and
Beyond
SunTrust Robinson Humphrey
Sunbelt Community BankConference
September 28, 2004
"The Number OneCommunity Bank
With The Best CustomerService In Town"
Service In Town"Service In Town"Service In Town"Service In Town"
GRAPHIC3g91109g91109z0001.jpgGRAPHIC
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