Call reports 2025
FIDELITY CO-OPERATIVE BANK — 2025
What FIDELITY CO-OPERATIVE BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 1,577,525,000 | 1,579,645,000 | 1,440,316,000 | 1,378,852,000 |
| Total loans | 1,085,794,000 | 1,085,270,000 | 1,076,912,000 | 1,044,963,000 |
| Allowance for loan losses | 7,743,000 | 7,983,000 | 15,556,000 | 25,740,000 |
| Securities available for sale | 275,758,000 | 285,268,000 | 183,833,000 | 178,889,000 |
| Securities held to maturity | 25,859,000 | 24,507,000 | 16,174,000 | 15,148,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,341,584,000 | 1,376,790,000 | 1,253,147,000 | 1,154,353,000 |
| Interest-bearing deposits | 1,215,755,000 | 1,154,514,000 | 1,024,428,000 | 932,474,000 |
| Noninterest-bearing deposits | 125,829,000 | 222,276,000 | 228,719,000 | 221,879,000 |
| Equity capital | 176,398,000 | 178,303,000 | 165,928,000 | 161,093,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 22,575,000 | 45,959,000 | 68,056,000 | 88,469,000 |
| Interest expense | 8,403,000 | 17,453,000 | 25,440,000 | 32,186,000 |
| Net interest income | 14,172,000 | 28,506,000 | 42,616,000 | 56,283,000 |
| Noninterest income | 1,725,000 | 3,585,000 | 6,082,000 | 8,509,000 |
| Noninterest expense | 11,365,000 | 22,928,000 | 33,845,000 | 44,882,000 |
| Provision for loan losses | 160,000 | 406,000 | 21,344,000 | 31,582,000 |
| Pretax income | 4,369,000 | 8,754,000 | -5,685,000 | -10,951,000 |
| Income tax | 1,017,000 | 1,945,000 | -2,423,000 | -3,295,000 |
| Net income | 3,352,000 | 6,809,000 | -3,262,000 | -7,656,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 136,757,000 | 139,241,000 | 127,712,000 | 122,807,000 |