Call reports 2015
FIDELITY CO-OPERATIVE BANK — 2015
What FIDELITY CO-OPERATIVE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 601,033,000 | 615,774,000 | 624,213,000 | 622,258,000 |
| Total loans | 454,412,000 | 447,826,000 | 458,055,000 | 482,787,000 |
| Allowance for loan losses | 4,208,000 | 4,391,000 | 4,373,000 | 4,300,000 |
| Securities available for sale | 67,876,000 | 69,455,000 | 70,665,000 | 70,980,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 507,614,000 | 528,946,000 | 518,926,000 | 519,649,000 |
| Interest-bearing deposits | 418,025,000 | 433,222,000 | 421,624,000 | 417,485,000 |
| Noninterest-bearing deposits | 89,589,000 | 95,724,000 | 97,302,000 | 102,164,000 |
| Equity capital | 51,701,000 | 51,971,000 | 52,826,000 | 52,837,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 5,473,000 | 10,963,000 | 16,451,000 | 22,077,000 |
| Interest expense | 619,000 | 1,242,000 | 1,860,000 | 2,511,000 |
| Net interest income | 4,854,000 | 9,721,000 | 14,591,000 | 19,566,000 |
| Noninterest income | 768,000 | 1,819,000 | 2,468,000 | 3,305,000 |
| Noninterest expense | 4,574,000 | 9,216,000 | 14,234,000 | 19,557,000 |
| Provision for loan losses | 304,000 | 483,000 | 482,000 | 749,000 |
| Pretax income | 884,000 | 2,051,000 | 2,770,000 | 3,116,000 |
| Income tax | 137,000 | 446,000 | 495,000 | 570,000 |
| Net income | 747,000 | 1,605,000 | 2,275,000 | 2,546,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 50,177,000 | 51,023,000 | 51,696,000 | 51,955,000 |
| Total capital | 54,459,000 | 55,493,000 | 56,149,000 | 56,345,000 |
| Risk-weighted assets | 414,938,000 | 414,565,000 | 425,830,000 | 443,320,000 |