Call reports 2005
FIDELITY CO-OPERATIVE BANK — 2005
What FIDELITY CO-OPERATIVE BANK 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 | 312,677,000 | 328,384,000 | 334,910,000 | 342,640,000 |
| Total loans | 189,043,000 | 204,862,000 | 221,372,000 | 232,577,000 |
| Allowance for loan losses | 1,088,000 | 1,099,000 | 1,274,000 | 1,272,000 |
| Securities available for sale | 105,572,000 | 103,761,000 | 94,638,000 | 87,852,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 233,866,000 | 239,815,000 | 263,977,000 | 270,426,000 |
| Interest-bearing deposits | 210,840,000 | 214,408,000 | 236,902,000 | 242,729,000 |
| Noninterest-bearing deposits | 23,026,000 | 25,407,000 | 27,075,000 | 27,697,000 |
| Equity capital | 27,745,000 | 28,618,000 | 28,445,000 | 28,704,000 |
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 | 3,588,000 | 7,351,000 | 11,420,000 | 15,746,000 |
| Interest expense | 1,314,000 | 2,826,000 | 4,532,000 | 6,408,000 |
| Net interest income | 2,274,000 | 4,525,000 | 6,888,000 | 9,338,000 |
| Noninterest income | 395,000 | 804,000 | 1,160,000 | 1,485,000 |
| Noninterest expense | 2,129,000 | 4,245,000 | 6,608,000 | 8,860,000 |
| Provision for loan losses | 22,000 | 47,000 | 234,000 | 245,000 |
| Pretax income | 519,000 | 1,039,000 | 1,268,000 | 1,795,000 |
| Income tax | 134,000 | 268,000 | 304,000 | 439,000 |
| Net income | 385,000 | 771,000 | 964,000 | 1,356,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,159,000 | 28,545,000 | 28,738,000 | 29,130,000 |
| Total capital | 29,247,000 | 29,644,000 | 30,087,000 | 30,479,000 |
| Risk-weighted assets | 160,603,000 | 171,304,000 | 181,035,000 | 186,225,000 |
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