Call reports 2004
PITTSFIELD CO-OPERATIVE BANK — 2004
What PITTSFIELD CO-OPERATIVE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 200,781,000 | 203,710,000 | 209,237,000 | 215,803,000 |
| Total loans | 112,228,000 | 116,352,000 | 119,812,000 | 121,812,000 |
| Allowance for loan losses | 757,000 | 786,000 | 805,000 | 762,000 |
| Securities available for sale | 65,068,000 | 65,030,000 | 60,785,000 | 64,653,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 167,652,000 | 171,515,000 | 175,440,000 | 182,639,000 |
| Interest-bearing deposits | 160,121,000 | 162,184,000 | 166,213,000 | 168,713,000 |
| Noninterest-bearing deposits | 7,531,000 | 9,331,000 | 9,227,000 | 13,926,000 |
| Equity capital | 30,611,000 | 30,473,000 | 31,150,000 | 31,344,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 2,196,000 | 4,422,000 | 6,759,000 | 9,112,000 |
| Interest expense | 761,000 | 1,463,000 | 2,217,000 | 2,995,000 |
| Net interest income | 1,435,000 | 2,959,000 | 4,542,000 | 6,117,000 |
| Noninterest income | 165,000 | 434,000 | 626,000 | 782,000 |
| Noninterest expense | 1,198,000 | 2,452,000 | 3,625,000 | 4,854,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 372,000 | 880,000 | 1,459,000 | 1,963,000 |
| Income tax | 133,000 | 269,000 | 422,000 | 607,000 |
| Net income | 239,000 | 611,000 | 1,037,000 | 1,356,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,056,000 | 30,428,000 | 30,854,000 | 31,173,000 |
| Total capital | 31,178,000 | 31,525,000 | 31,983,000 | 32,285,000 |
| Risk-weighted assets | 124,202,000 | 110,821,000 | 112,724,000 | 117,407,000 |
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