Call reports 2012
PITTSFIELD CO-OPERATIVE BANK — 2012
What PITTSFIELD CO-OPERATIVE BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 234,493,000 | 238,880,000 | 234,957,000 | 236,316,000 |
| Total loans | 170,766,000 | 175,082,000 | 174,758,000 | 176,396,000 |
| Allowance for loan losses | 1,776,000 | 1,859,000 | 1,781,000 | 1,839,000 |
| Securities available for sale | 33,401,000 | 34,439,000 | 32,517,000 | 33,871,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 187,208,000 | 191,383,000 | 189,734,000 | 190,870,000 |
| Interest-bearing deposits | 169,754,000 | 174,378,000 | 172,011,000 | 172,188,000 |
| Noninterest-bearing deposits | 17,454,000 | 17,005,000 | 17,723,000 | 18,682,000 |
| Equity capital | 39,183,000 | 39,481,000 | 39,724,000 | 39,864,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,388,000 | 4,867,000 | 7,232,000 | 9,510,000 |
| Interest expense | 546,000 | 1,062,000 | 1,567,000 | 2,024,000 |
| Net interest income | 1,842,000 | 3,805,000 | 5,665,000 | 7,486,000 |
| Noninterest income | 215,000 | 404,000 | 513,000 | 706,000 |
| Noninterest expense | 1,684,000 | 3,352,000 | 4,973,000 | 6,638,000 |
| Provision for loan losses | 64,000 | 159,000 | 186,000 | 249,000 |
| Pretax income | 309,000 | 698,000 | 1,023,000 | 1,309,000 |
| Income tax | 75,000 | 193,000 | 308,000 | 368,000 |
| Net income | 234,000 | 505,000 | 715,000 | 941,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,562,000 | 38,833,000 | 39,043,000 | 39,268,000 |
| Total capital | 40,675,000 | 41,033,000 | 41,184,000 | 41,457,000 |
| Risk-weighted assets | 154,416,000 | 160,483,000 | 160,203,000 | 161,161,000 |