Call reports 2007
PITTSFIELD CO-OPERATIVE BANK — 2007
What PITTSFIELD CO-OPERATIVE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 231,096,000 | 233,210,000 | 234,369,000 | 236,346,000 |
| Total loans | 146,746,000 | 149,045,000 | 150,631,000 | 153,823,000 |
| Allowance for loan losses | 1,064,000 | 1,090,000 | 1,162,000 | 1,215,000 |
| Securities available for sale | 61,157,000 | 61,074,000 | 61,953,000 | 57,442,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 176,560,000 | 175,912,000 | 175,702,000 | 176,210,000 |
| Interest-bearing deposits | 166,752,000 | 164,866,000 | 164,976,000 | 165,869,000 |
| Noninterest-bearing deposits | 9,808,000 | 11,046,000 | 10,726,000 | 10,341,000 |
| Equity capital | 34,220,000 | 34,556,000 | 35,347,000 | 35,801,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 3,259,000 | 6,674,000 | 10,180,000 | 13,666,000 |
| Interest expense | 1,581,000 | 3,210,000 | 4,915,000 | 6,652,000 |
| Net interest income | 1,678,000 | 3,464,000 | 5,265,000 | 7,014,000 |
| Noninterest income | 194,000 | 346,000 | 517,000 | 745,000 |
| Noninterest expense | 1,315,000 | 2,676,000 | 3,978,000 | 5,289,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 240,000 |
| Pretax income | 497,000 | 1,014,000 | 1,624,000 | 2,233,000 |
| Income tax | 185,000 | 261,000 | 503,000 | 744,000 |
| Net income | 312,000 | 753,000 | 1,121,000 | 1,489,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,718,000 | 34,159,000 | 34,528,000 | 34,895,000 |
| Total capital | 35,177,000 | 35,679,000 | 36,138,000 | 36,547,000 |
| Risk-weighted assets | 129,279,000 | 130,756,000 | 135,828,000 | 132,190,000 |
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