Call reports 2015
PITTSFIELD CO-OPERATIVE BANK — 2015
What PITTSFIELD CO-OPERATIVE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 261,878,000 | 267,105,000 | 267,664,000 | 274,772,000 |
| Total loans | 192,066,000 | 194,886,000 | 199,342,000 | 204,652,000 |
| Allowance for loan losses | 1,800,000 | 1,841,000 | 1,779,000 | 1,737,000 |
| Securities available for sale | 32,833,000 | 37,551,000 | 37,324,000 | 37,860,000 |
| Securities held to maturity | 3,975,000 | 3,956,000 | 3,936,000 | 3,917,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 195,729,000 | 197,543,000 | 195,245,000 | 202,166,000 |
| Interest-bearing deposits | 169,592,000 | 168,447,000 | 164,359,000 | 172,010,000 |
| Noninterest-bearing deposits | 26,137,000 | 29,096,000 | 30,886,000 | 30,156,000 |
| Equity capital | 42,565,000 | 42,651,000 | 43,019,000 | 43,504,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,238,000 | 4,493,000 | 6,860,000 | 9,260,000 |
| Interest expense | 311,000 | 606,000 | 906,000 | 1,210,000 |
| Net interest income | 1,927,000 | 3,887,000 | 5,954,000 | 8,050,000 |
| Noninterest income | 261,000 | 519,000 | 791,000 | 1,044,000 |
| Noninterest expense | 1,834,000 | 3,655,000 | 5,450,000 | 7,921,000 |
| Provision for loan losses | 7,000 | 46,000 | 122,000 | 179,000 |
| Pretax income | 635,000 | 1,001,000 | 1,461,000 | 1,286,000 |
| Income tax | 342,000 | 433,000 | 555,000 | -184,000 |
| Net income | 293,000 | 568,000 | 906,000 | 1,470,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 41,963,000 | 42,238,000 | 42,575,000 | 42,865,000 |
| Total capital | 44,170,000 | 44,486,000 | 44,727,000 | 45,024,000 |
| Risk-weighted assets | 229,454,000 | 179,264,000 | 183,626,000 | 212,320,000 |