Call reports 2017
PITTSFIELD CO-OPERATIVE BANK — 2017
What PITTSFIELD CO-OPERATIVE BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 305,362,000 | 296,257,000 | 299,593,000 | 301,590,000 |
| Total loans | 215,558,000 | 215,882,000 | 218,912,000 | 219,096,000 |
| Allowance for loan losses | 2,164,000 | 1,854,000 | 1,903,000 | 1,803,000 |
| Securities available for sale | 38,401,000 | 40,063,000 | 40,484,000 | 38,596,000 |
| Securities held to maturity | 3,816,000 | 3,795,000 | 3,774,000 | 3,753,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 230,119,000 | 228,550,000 | 232,834,000 | 235,437,000 |
| Interest-bearing deposits | 194,638,000 | 193,912,000 | 193,605,000 | 199,025,000 |
| Noninterest-bearing deposits | 35,481,000 | 34,638,000 | 39,229,000 | 36,412,000 |
| Equity capital | 45,361,000 | 45,879,000 | 46,329,000 | 46,292,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 2,607,000 | 5,197,000 | 7,867,000 | 10,509,000 |
| Interest expense | 309,000 | 609,000 | 914,000 | 1,216,000 |
| Net interest income | 2,298,000 | 4,588,000 | 6,953,000 | 9,293,000 |
| Noninterest income | 262,000 | 515,000 | 763,000 | 672,000 |
| Noninterest expense | 2,095,000 | 4,176,000 | 6,268,000 | 7,874,000 |
| Provision for loan losses | 135,000 | 250,000 | 296,000 | 300,000 |
| Pretax income | 329,000 | 676,000 | 1,151,000 | 1,790,000 |
| Income tax | -117,000 | -189,000 | -150,000 | 465,000 |
| Net income | 446,000 | 865,000 | 1,301,000 | 1,325,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 45,056,000 | 45,564,000 | 46,000,000 | 38,475,000 |
| Total capital | 47,595,000 | 47,795,000 | 48,303,000 | 40,699,000 |
| Risk-weighted assets | 216,150,000 | 217,046,000 | 217,400,000 | 218,189,000 |