Call reports 2011
PITTSFIELD CO-OPERATIVE BANK — 2011
What PITTSFIELD CO-OPERATIVE BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 225,227,000 | 228,115,000 | 227,695,000 | 230,183,000 |
| Total loans | 153,248,000 | 157,377,000 | 160,317,000 | 166,246,000 |
| Allowance for loan losses | 1,883,000 | 2,002,000 | 2,128,000 | 2,075,000 |
| Securities available for sale | 45,558,000 | 37,121,000 | 32,649,000 | 34,604,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 178,626,000 | 181,132,000 | 180,508,000 | 182,708,000 |
| Interest-bearing deposits | 166,834,000 | 168,353,000 | 165,167,000 | 167,232,000 |
| Noninterest-bearing deposits | 11,792,000 | 12,779,000 | 15,341,000 | 15,476,000 |
| Equity capital | 38,142,000 | 38,570,000 | 38,718,000 | 38,917,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 2,416,000 | 4,832,000 | 7,223,000 | 9,586,000 |
| Interest expense | 611,000 | 1,218,000 | 1,803,000 | 2,370,000 |
| Net interest income | 1,805,000 | 3,614,000 | 5,420,000 | 7,216,000 |
| Noninterest income | 233,000 | 419,000 | 610,000 | 614,000 |
| Noninterest expense | 1,604,000 | 3,170,000 | 4,683,000 | 6,266,000 |
| Provision for loan losses | 90,000 | 209,000 | 338,000 | 626,000 |
| Pretax income | 343,000 | 653,000 | 1,008,000 | 1,199,000 |
| Income tax | 82,000 | 148,000 | 243,000 | 218,000 |
| Net income | 261,000 | 505,000 | 765,000 | 981,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,609,000 | 37,852,000 | 38,113,000 | 38,328,000 |
| Total capital | 39,765,000 | 40,059,000 | 40,274,000 | 40,507,000 |
| Risk-weighted assets | 140,662,000 | 143,560,000 | 145,884,000 | 150,854,000 |