Call reports 2005
PITTSFIELD CO-OPERATIVE BANK — 2005
What PITTSFIELD CO-OPERATIVE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 209,240,000 | 208,885,000 | 214,907,000 | 218,646,000 |
| Total loans | 124,210,000 | 126,894,000 | 132,930,000 | 136,949,000 |
| Allowance for loan losses | 792,000 | 730,000 | 801,000 | 835,000 |
| Securities available for sale | 64,985,000 | 62,682,000 | 62,381,000 | 61,366,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 176,039,000 | 173,804,000 | 175,658,000 | 175,212,000 |
| Interest-bearing deposits | 166,579,000 | 164,019,000 | 165,536,000 | 164,123,000 |
| Noninterest-bearing deposits | 9,460,000 | 9,785,000 | 10,122,000 | 11,089,000 |
| Equity capital | 31,257,000 | 31,763,000 | 31,979,000 | 32,275,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 2,398,000 | 4,862,000 | 7,405,000 | 10,056,000 |
| Interest expense | 814,000 | 1,676,000 | 2,602,000 | 3,659,000 |
| Net interest income | 1,584,000 | 3,186,000 | 4,803,000 | 6,397,000 |
| Noninterest income | 141,000 | 332,000 | 522,000 | 690,000 |
| Noninterest expense | 1,176,000 | 2,454,000 | 3,692,000 | 4,937,000 |
| Provision for loan losses | 30,000 | 60,000 | 110,000 | 170,000 |
| Pretax income | 526,000 | 1,010,000 | 1,529,000 | 1,986,000 |
| Income tax | 202,000 | 348,000 | 467,000 | 636,000 |
| Net income | 324,000 | 662,000 | 1,062,000 | 1,350,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,497,000 | 31,835,000 | 32,235,000 | 32,522,000 |
| Total capital | 32,602,000 | 32,881,000 | 33,341,000 | 33,656,000 |
| Risk-weighted assets | 116,535,000 | 115,280,000 | 121,045,000 | 122,455,000 |
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