Call reports 2016
PITTSFIELD CO-OPERATIVE BANK — 2016
What PITTSFIELD CO-OPERATIVE BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 282,348,000 | 287,588,000 | 288,649,000 | 304,510,000 |
| Total loans | 207,672,000 | 213,999,000 | 217,028,000 | 217,750,000 |
| Allowance for loan losses | 1,700,000 | 1,844,000 | 2,048,000 | 2,048,000 |
| Securities available for sale | 38,975,000 | 37,571,000 | 36,711,000 | 33,855,000 |
| Securities held to maturity | 3,897,000 | 3,878,000 | 3,858,000 | 3,836,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 206,705,000 | 211,365,000 | 210,923,000 | 228,227,000 |
| Interest-bearing deposits | 174,439,000 | 177,272,000 | 175,724,000 | 194,494,000 |
| Noninterest-bearing deposits | 32,266,000 | 34,093,000 | 35,199,000 | 33,733,000 |
| Equity capital | 44,167,000 | 44,694,000 | 44,845,000 | 44,798,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 2,426,000 | 4,921,000 | 7,413,000 | 9,933,000 |
| Interest expense | 304,000 | 610,000 | 915,000 | 1,217,000 |
| Net interest income | 2,122,000 | 4,311,000 | 6,498,000 | 8,716,000 |
| Noninterest income | 277,000 | 552,000 | 826,000 | 1,105,000 |
| Noninterest expense | 1,940,000 | 3,764,000 | 6,038,000 | 8,145,000 |
| Provision for loan losses | 102,000 | 247,000 | 457,000 | 459,000 |
| Pretax income | 478,000 | 1,034,000 | 1,288,000 | 1,682,000 |
| Income tax | 123,000 | 274,000 | 126,000 | 76,000 |
| Net income | 355,000 | 760,000 | 1,162,000 | 1,606,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 43,084,000 | 43,489,000 | 43,994,000 | 44,540,000 |
| Total capital | 45,196,000 | 45,778,000 | 46,371,000 | 46,944,000 |
| Risk-weighted assets | 216,604,000 | 219,978,000 | 211,022,000 | 217,886,000 |