Call reports 2009
PITTSFIELD CO-OPERATIVE BANK — 2009
What PITTSFIELD CO-OPERATIVE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 239,135,000 | 234,896,000 | 237,773,000 | 235,157,000 |
| Total loans | 148,595,000 | 147,863,000 | 148,097,000 | 148,400,000 |
| Allowance for loan losses | 1,261,000 | 1,437,000 | 1,467,000 | 1,355,000 |
| Securities available for sale | 58,002,000 | 53,088,000 | 46,736,000 | 40,597,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 184,096,000 | 187,035,000 | 190,186,000 | 187,645,000 |
| Interest-bearing deposits | 173,839,000 | 176,657,000 | 178,487,000 | 175,561,000 |
| Noninterest-bearing deposits | 10,257,000 | 10,378,000 | 11,699,000 | 12,084,000 |
| Equity capital | 37,319,000 | 37,149,000 | 37,498,000 | 37,461,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,966,000 | 5,741,000 | 8,454,000 | 11,110,000 |
| Interest expense | 1,230,000 | 2,421,000 | 3,465,000 | 4,438,000 |
| Net interest income | 1,736,000 | 3,320,000 | 4,989,000 | 6,672,000 |
| Noninterest income | 188,000 | 359,000 | 544,000 | 719,000 |
| Noninterest expense | 1,455,000 | 3,145,000 | 4,648,000 | 6,208,000 |
| Provision for loan losses | 60,000 | 264,000 | 324,000 | 492,000 |
| Pretax income | 409,000 | 270,000 | 561,000 | 796,000 |
| Income tax | 108,000 | 30,000 | 74,000 | 107,000 |
| Net income | 301,000 | 240,000 | 487,000 | 689,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,518,000 | 36,457,000 | 36,704,000 | 36,906,000 |
| Total capital | 37,969,000 | 38,101,000 | 38,419,000 | 38,498,000 |
| Risk-weighted assets | 132,266,000 | 124,635,000 | 134,725,000 | 136,720,000 |
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