Call reports 2010
PITTSFIELD CO-OPERATIVE BANK — 2010
What PITTSFIELD CO-OPERATIVE BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 231,625,000 | 235,056,000 | 228,570,000 | 225,771,000 |
| Total loans | 147,762,000 | 151,306,000 | 149,144,000 | 150,748,000 |
| Allowance for loan losses | 1,599,000 | 1,889,000 | 1,797,000 | 1,832,000 |
| Securities available for sale | 37,015,000 | 39,785,000 | 44,557,000 | 41,455,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 184,424,000 | 187,664,000 | 182,159,000 | 179,408,000 |
| Interest-bearing deposits | 173,448,000 | 174,714,000 | 170,291,000 | 167,336,000 |
| Noninterest-bearing deposits | 10,976,000 | 12,950,000 | 11,868,000 | 12,072,000 |
| Equity capital | 37,248,000 | 37,318,000 | 37,782,000 | 37,857,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 2,473,000 | 4,986,000 | 7,456,000 | 9,888,000 |
| Interest expense | 887,000 | 1,719,000 | 2,457,000 | 3,115,000 |
| Net interest income | 1,586,000 | 3,267,000 | 4,999,000 | 6,773,000 |
| Noninterest income | 184,000 | 365,000 | 753,000 | 1,001,000 |
| Noninterest expense | 1,618,000 | 3,156,000 | 4,639,000 | 6,182,000 |
| Provision for loan losses | 402,000 | 852,000 | 1,042,000 | 1,132,000 |
| Pretax income | -250,000 | -376,000 | 71,000 | 460,000 |
| Income tax | -40,000 | -167,000 | -76,000 | 18,000 |
| Net income | -210,000 | -209,000 | 147,000 | 442,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,696,000 | 36,696,000 | 37,052,000 | 37,347,000 |
| Total capital | 38,533,000 | 38,656,000 | 39,095,000 | 39,445,000 |
| Risk-weighted assets | 134,149,000 | 139,338,000 | 140,922,000 | 141,119,000 |