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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

WASHINGTON, DC 20549

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

(Exact Name of Registrant as Specified in Its Charter)

Georgia

(State or Other Jurisdiction of Incorporation)

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

(Registrants Telephone Number, Including Area Code)

(Former Name or Former Address, if Changed Since Last Report)

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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