Call reports 2013
PITTSFIELD CO-OPERATIVE BANK — 2013
What PITTSFIELD CO-OPERATIVE BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 239,183,000 | 246,713,000 | 249,512,000 | 252,848,000 |
| Total loans | 178,827,000 | 186,840,000 | 190,792,000 | 191,543,000 |
| Allowance for loan losses | 1,786,000 | 1,815,000 | 1,815,000 | 1,875,000 |
| Securities available for sale | 34,794,000 | 35,061,000 | 35,653,000 | 35,147,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 191,377,000 | 189,518,000 | 189,639,000 | 190,289,000 |
| Interest-bearing deposits | 172,264,000 | 171,635,000 | 168,944,000 | 169,160,000 |
| Noninterest-bearing deposits | 19,113,000 | 17,883,000 | 20,695,000 | 21,129,000 |
| Equity capital | 40,181,000 | 40,092,000 | 40,537,000 | 41,266,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 2,234,000 | 4,463,000 | 6,748,000 | 9,026,000 |
| Interest expense | 423,000 | 838,000 | 1,229,000 | 1,606,000 |
| Net interest income | 1,811,000 | 3,625,000 | 5,519,000 | 7,420,000 |
| Noninterest income | 207,000 | 435,000 | 635,000 | 855,000 |
| Noninterest expense | 1,736,000 | 3,323,000 | 4,886,000 | 6,537,000 |
| Provision for loan losses | 0 | 57,000 | 114,000 | 171,000 |
| Pretax income | 282,000 | 680,000 | 1,171,000 | 1,575,000 |
| Income tax | 70,000 | 181,000 | 324,000 | 402,000 |
| Net income | 212,000 | 499,000 | 847,000 | 1,173,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,481,000 | 39,767,000 | 40,115,000 | 40,441,000 |
| Total capital | 41,720,000 | 42,030,000 | 42,397,000 | 42,853,000 |
| Risk-weighted assets | 162,073,000 | 166,653,000 | 175,072,000 | 170,514,000 |