Call reports 2008
PITTSFIELD CO-OPERATIVE BANK — 2008
What PITTSFIELD CO-OPERATIVE BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 235,317,000 | 238,232,000 | 236,761,000 | 233,116,000 |
| Total loans | 154,271,000 | 152,726,000 | 151,030,000 | 150,223,000 |
| Allowance for loan losses | 1,230,000 | 1,294,000 | 1,223,000 | 1,273,000 |
| Securities available for sale | 58,709,000 | 57,503,000 | 54,949,000 | 59,210,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 176,881,000 | 180,080,000 | 180,738,000 | 178,334,000 |
| Interest-bearing deposits | 167,677,000 | 168,827,000 | 169,883,000 | 167,904,000 |
| Noninterest-bearing deposits | 9,204,000 | 11,253,000 | 10,855,000 | 10,430,000 |
| Equity capital | 36,356,000 | 36,105,000 | 36,407,000 | 37,133,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 3,413,000 | 6,694,000 | 9,970,000 | 13,144,000 |
| Interest expense | 1,663,000 | 3,213,000 | 4,666,000 | 6,034,000 |
| Net interest income | 1,750,000 | 3,481,000 | 5,304,000 | 7,110,000 |
| Noninterest income | 186,000 | 363,000 | 555,000 | 744,000 |
| Noninterest expense | 1,352,000 | 2,765,000 | 4,163,000 | 5,614,000 |
| Provision for loan losses | 60,000 | 100,000 | 130,000 | 160,000 |
| Pretax income | 524,000 | 979,000 | 1,566,000 | 2,080,000 |
| Income tax | 145,000 | 291,000 | 427,000 | 608,000 |
| Net income | 379,000 | 688,000 | 1,139,000 | 1,472,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,274,000 | 35,433,000 | 35,884,000 | 36,217,000 |
| Total capital | 36,879,000 | 37,098,000 | 37,418,000 | 37,730,000 |
| Risk-weighted assets | 132,363,000 | 132,751,000 | 131,566,000 | 129,714,000 |
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