Call reports 2008
FIDELITY CO-OPERATIVE BANK — 2008
What FIDELITY CO-OPERATIVE BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 439,302,000 | 443,649,000 | 453,799,000 | 473,250,000 |
| Total loans | 324,348,000 | 328,588,000 | 334,669,000 | 343,097,000 |
| Allowance for loan losses | 1,927,000 | 2,043,000 | 2,187,000 | 2,527,000 |
| Securities available for sale | 71,133,000 | 70,358,000 | 73,746,000 | 83,235,000 |
| Securities held to maturity | 15,362,000 | 14,508,000 | 13,896,000 | 13,552,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 310,961,000 | 330,601,000 | 332,244,000 | 340,236,000 |
| Interest-bearing deposits | 280,068,000 | 298,285,000 | 300,064,000 | 304,207,000 |
| Noninterest-bearing deposits | 30,893,000 | 32,316,000 | 32,180,000 | 36,029,000 |
| Equity capital | 35,638,000 | 35,173,000 | 35,011,000 | 36,220,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 6,059,000 | 12,029,000 | 18,153,000 | 24,465,000 |
| Interest expense | 3,444,000 | 6,629,000 | 9,623,000 | 12,431,000 |
| Net interest income | 2,615,000 | 5,400,000 | 8,530,000 | 12,034,000 |
| Noninterest income | 525,000 | 1,153,000 | 1,784,000 | 2,038,000 |
| Noninterest expense | 2,794,000 | 5,804,000 | 8,956,000 | 12,120,000 |
| Provision for loan losses | 56,000 | 183,000 | 399,000 | 1,013,000 |
| Pretax income | 330,000 | 606,000 | 1,023,000 | 1,017,000 |
| Income tax | 39,000 | 61,000 | 131,000 | 56,000 |
| Net income | 291,000 | 545,000 | 892,000 | 961,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,053,000 | 34,443,000 | 34,700,000 | 34,668,000 |
| Total capital | 37,036,000 | 36,539,000 | 36,943,000 | 37,251,000 |
| Risk-weighted assets | 264,731,000 | 267,692,000 | 274,557,000 | 282,092,000 |
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