Call reports 2013
FIDELITY CO-OPERATIVE BANK — 2013
What FIDELITY CO-OPERATIVE BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 548,377,000 | 551,484,000 | 561,794,000 | 565,621,000 |
| Total loans | 401,837,000 | 407,155,000 | 412,206,000 | 426,389,000 |
| Allowance for loan losses | 4,353,000 | 4,365,000 | 4,129,000 | 4,142,000 |
| Securities available for sale | 80,915,000 | 82,052,000 | 85,893,000 | 79,386,000 |
| Securities held to maturity | 2,845,000 | 2,695,000 | 2,543,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 437,356,000 | 431,364,000 | 465,299,000 | 455,954,000 |
| Interest-bearing deposits | 362,607,000 | 350,663,000 | 378,148,000 | 371,796,000 |
| Noninterest-bearing deposits | 74,749,000 | 80,701,000 | 87,151,000 | 84,158,000 |
| Equity capital | 47,579,000 | 47,486,000 | 48,375,000 | 49,166,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 5,315,000 | 10,688,000 | 16,124,000 | 21,590,000 |
| Interest expense | 658,000 | 1,308,000 | 1,969,000 | 2,631,000 |
| Net interest income | 4,657,000 | 9,380,000 | 14,155,000 | 18,959,000 |
| Noninterest income | 1,169,000 | 2,446,000 | 3,523,000 | 5,021,000 |
| Noninterest expense | 4,201,000 | 8,611,000 | 12,874,000 | 17,599,000 |
| Provision for loan losses | 330,000 | 530,000 | 678,000 | 821,000 |
| Pretax income | 1,325,000 | 2,845,000 | 4,274,000 | 5,484,000 |
| Income tax | 383,000 | 841,000 | 1,271,000 | 1,631,000 |
| Net income | 942,000 | 2,004,000 | 3,003,000 | 3,853,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 45,692,000 | 46,703,000 | 47,652,000 | 48,481,000 |
| Total capital | 50,174,000 | 51,184,000 | 51,887,000 | 52,786,000 |
| Risk-weighted assets | 352,085,000 | 359,305,000 | 360,168,000 | 372,147,000 |