Call reports 2006
PITTSFIELD CO-OPERATIVE BANK — 2006
What PITTSFIELD CO-OPERATIVE BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 222,811,000 | 222,529,000 | 226,848,000 | 229,726,000 |
| Total loans | 141,139,000 | 140,805,000 | 144,914,000 | 147,049,000 |
| Allowance for loan losses | 895,000 | 926,000 | 952,000 | 1,025,000 |
| Securities available for sale | 61,496,000 | 61,168,000 | 61,680,000 | 61,971,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 174,866,000 | 175,289,000 | 175,314,000 | 172,828,000 |
| Interest-bearing deposits | 166,044,000 | 164,623,000 | 165,042,000 | 162,983,000 |
| Noninterest-bearing deposits | 8,822,000 | 10,666,000 | 10,272,000 | 9,845,000 |
| Equity capital | 32,392,000 | 32,741,000 | 33,336,000 | 33,801,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 2,734,000 | 5,516,000 | 8,531,000 | 11,661,000 |
| Interest expense | 1,184,000 | 2,514,000 | 3,915,000 | 5,431,000 |
| Net interest income | 1,550,000 | 3,002,000 | 4,616,000 | 6,230,000 |
| Noninterest income | 140,000 | 300,000 | 464,000 | 631,000 |
| Noninterest expense | 1,244,000 | 2,567,000 | 3,785,000 | 5,024,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 240,000 |
| Pretax income | 386,000 | 662,000 | 1,162,000 | 1,644,000 |
| Income tax | 153,000 | 166,000 | 361,000 | 549,000 |
| Net income | 233,000 | 496,000 | 801,000 | 1,095,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,544,000 | 32,808,000 | 33,113,000 | 33,406,000 |
| Total capital | 33,766,000 | 34,039,000 | 34,393,000 | 34,816,000 |
| Risk-weighted assets | 124,912,000 | 124,806,000 | 127,649,000 | 129,011,000 |
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