Call reports 2018
PITTSFIELD CO-OPERATIVE BANK — 2018
What PITTSFIELD CO-OPERATIVE BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 301,713,000 | 306,333,000 | 309,785,000 | 307,290,000 |
| Total loans | 218,958,000 | 224,948,000 | 225,913,000 | 228,192,000 |
| Allowance for loan losses | 1,950,000 | 1,794,000 | 1,851,000 | 1,874,000 |
| Securities available for sale | 37,392,000 | 36,845,000 | 36,298,000 | 35,327,000 |
| Securities held to maturity | 3,732,000 | 3,710,000 | 3,689,000 | 3,667,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 238,883,000 | 245,247,000 | 244,202,000 | 242,336,000 |
| Interest-bearing deposits | 201,018,000 | 200,951,000 | 202,424,000 | 201,835,000 |
| Noninterest-bearing deposits | 37,865,000 | 44,296,000 | 41,778,000 | 40,501,000 |
| Equity capital | 46,619,000 | 47,047,000 | 47,563,000 | 47,940,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 2,668,000 | 5,431,000 | 8,337,000 | 11,329,000 |
| Interest expense | 310,000 | 661,000 | 1,106,000 | 1,623,000 |
| Net interest income | 2,358,000 | 4,770,000 | 7,231,000 | 9,706,000 |
| Noninterest income | 648,000 | 1,104,000 | 1,555,000 | 2,069,000 |
| Noninterest expense | 2,064,000 | 4,138,000 | 6,128,000 | 8,365,000 |
| Provision for loan losses | 64,000 | 124,000 | 276,000 | 542,000 |
| Pretax income | 838,000 | 1,581,000 | 2,345,000 | 3,017,000 |
| Income tax | 189,000 | 357,000 | 507,000 | 657,000 |
| Net income | 649,000 | 1,224,000 | 1,838,000 | 2,360,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,112,000 | 39,688,000 | 40,302,000 | 40,824,000 |
| Total capital | 41,286,000 | 41,711,000 | 42,402,000 | 42,730,000 |
| Risk-weighted assets | 220,300,000 | 224,387,000 | 226,991,000 | 225,044,000 |