Call reports 2003
PITTSFIELD CO-OPERATIVE BANK — 2003
What PITTSFIELD CO-OPERATIVE BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 202,796,000 | 204,767,000 | 205,438,000 | 203,356,000 |
| Total loans | 114,238,000 | 109,277,000 | 107,947,000 | 111,156,000 |
| Allowance for loan losses | 732,000 | 737,000 | 732,000 | 732,000 |
| Securities available for sale | 14,242,000 | 21,688,000 | 41,249,000 | 54,581,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 171,827,000 | 173,513,000 | 173,989,000 | 170,740,000 |
| Interest-bearing deposits | 161,653,000 | 162,475,000 | 161,089,000 | 160,943,000 |
| Noninterest-bearing deposits | 10,174,000 | 11,038,000 | 12,900,000 | 9,797,000 |
| Equity capital | 29,136,000 | 29,585,000 | 29,793,000 | 30,354,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 2,425,000 | 4,776,000 | 6,955,000 | 9,192,000 |
| Interest expense | 1,067,000 | 2,041,000 | 2,891,000 | 3,703,000 |
| Net interest income | 1,358,000 | 2,735,000 | 4,064,000 | 5,489,000 |
| Noninterest income | 106,000 | 377,000 | 526,000 | 1,063,000 |
| Noninterest expense | 1,132,000 | 2,356,000 | 3,456,000 | 4,783,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 317,000 | 767,000 | 1,131,000 | 1,751,000 |
| Income tax | 113,000 | 172,000 | 318,000 | 410,000 |
| Net income | 204,000 | 595,000 | 813,000 | 1,341,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,680,000 | 29,071,000 | 29,289,000 | 29,817,000 |
| Total capital | 29,687,000 | 30,135,000 | 30,308,000 | 30,900,000 |
| Risk-weighted assets | 138,374,000 | 134,309,000 | 130,939,000 | 120,421,000 |
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