Call reports 2014
PITTSFIELD CO-OPERATIVE BANK — 2014
What PITTSFIELD CO-OPERATIVE BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 255,737,000 | 254,939,000 | 254,419,000 | 258,632,000 |
| Total loans | 193,139,000 | 192,911,000 | 191,823,000 | 191,609,000 |
| Allowance for loan losses | 1,798,000 | 1,809,000 | 1,880,000 | 1,810,000 |
| Securities available for sale | 38,831,000 | 37,856,000 | 39,194,000 | 38,487,000 |
| Securities held to maturity | 0 | 0 | 0 | 3,994,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 191,998,000 | 190,857,000 | 192,661,000 | 192,427,000 |
| Interest-bearing deposits | 169,170,000 | 170,360,000 | 169,184,000 | 168,293,000 |
| Noninterest-bearing deposits | 22,828,000 | 20,497,000 | 23,477,000 | 24,134,000 |
| Equity capital | 41,695,000 | 41,761,000 | 41,849,000 | 42,363,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 2,341,000 | 4,605,000 | 6,878,000 | 9,142,000 |
| Interest expense | 358,000 | 696,000 | 1,035,000 | 1,361,000 |
| Net interest income | 1,983,000 | 3,909,000 | 5,843,000 | 7,781,000 |
| Noninterest income | 219,000 | 492,000 | 732,000 | 978,000 |
| Noninterest expense | 1,763,000 | 3,494,000 | 5,270,000 | 7,010,000 |
| Provision for loan losses | 57,000 | 118,000 | 186,000 | 191,000 |
| Pretax income | 382,000 | 789,000 | 1,297,000 | 1,737,000 |
| Income tax | 70,000 | 176,000 | 375,000 | 508,000 |
| Net income | 312,000 | 613,000 | 922,000 | 1,229,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,753,000 | 41,054,000 | 41,363,000 | 41,669,000 |
| Total capital | 43,081,000 | 43,426,000 | 43,734,000 | 44,005,000 |
| Risk-weighted assets | 172,021,000 | 170,546,000 | 168,390,000 | 172,251,000 |