Call reports 2004
FIDELITY CO-OPERATIVE BANK — 2004
What FIDELITY CO-OPERATIVE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 302,050,000 | 301,650,000 | 304,704,000 | 305,591,000 |
| Total loans | 177,132,000 | 181,930,000 | 183,556,000 | 185,811,000 |
| Allowance for loan losses | 962,000 | 970,000 | 969,000 | 1,068,000 |
| Securities available for sale | 108,849,000 | 103,410,000 | 105,155,000 | 105,388,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 225,880,000 | 226,412,000 | 230,411,000 | 230,868,000 |
| Interest-bearing deposits | 205,489,000 | 205,266,000 | 209,804,000 | 205,360,000 |
| Noninterest-bearing deposits | 20,391,000 | 21,146,000 | 20,607,000 | 25,508,000 |
| Equity capital | 27,007,000 | 26,323,000 | 27,618,000 | 27,795,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 3,442,000 | 6,903,000 | 10,377,000 | 13,786,000 |
| Interest expense | 1,205,000 | 2,379,000 | 3,596,000 | 4,843,000 |
| Net interest income | 2,237,000 | 4,524,000 | 6,781,000 | 8,943,000 |
| Noninterest income | 228,000 | 470,000 | 740,000 | 999,000 |
| Noninterest expense | 2,012,000 | 4,081,000 | 6,147,000 | 8,079,000 |
| Provision for loan losses | 0 | 0 | 2,000 | 104,000 |
| Pretax income | 489,000 | 916,000 | 1,348,000 | 1,735,000 |
| Income tax | 111,000 | 211,000 | 317,000 | 408,000 |
| Net income | 378,000 | 705,000 | 1,031,000 | 1,327,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,826,000 | 27,153,000 | 27,479,000 | 27,775,000 |
| Total capital | 27,804,000 | 28,123,000 | 28,448,000 | 28,843,000 |
| Risk-weighted assets | 155,976,000 | 152,108,000 | 154,412,000 | 156,453,000 |
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