Call reports 2025
PITTSFIELD CO-OPERATIVE BANK — 2025
What PITTSFIELD CO-OPERATIVE BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 404,215,000 | 422,901,000 | 414,660,000 | 432,006,000 |
| Total loans | 277,638,000 | 289,347,000 | 303,189,000 | 321,682,000 |
| Allowance for loan losses | 2,520,000 | 2,273,000 | 2,266,000 | 2,347,000 |
| Securities available for sale | 85,417,000 | 72,047,000 | 71,992,000 | 69,789,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 299,374,000 | 313,969,000 | 308,743,000 | 314,178,000 |
| Interest-bearing deposits | 221,646,000 | 235,709,000 | 232,741,000 | 241,654,000 |
| Noninterest-bearing deposits | 77,728,000 | 78,260,000 | 76,002,000 | 72,524,000 |
| Equity capital | 54,488,000 | 55,017,000 | 55,600,000 | 55,344,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 4,240,000 | 8,682,000 | 13,289,000 | 18,301,000 |
| Interest expense | 1,680,000 | 3,404,000 | 5,233,000 | 7,088,000 |
| Net interest income | 2,560,000 | 5,278,000 | 8,056,000 | 11,213,000 |
| Noninterest income | 385,000 | 756,000 | 1,145,000 | 1,580,000 |
| Noninterest expense | 2,926,000 | 6,135,000 | 9,606,000 | 13,369,000 |
| Provision for loan losses | 16,000 | -265,000 | -257,000 | -163,000 |
| Pretax income | 31,000 | 166,000 | -157,000 | -1,183,000 |
| Income tax | -31,000 | -26,000 | -133,000 | 83,000 |
| Net income | 62,000 | 192,000 | -24,000 | -1,266,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 61,688,000 | 61,818,000 | 61,602,000 | 60,360,000 |
| Total capital | 64,172,000 | 64,055,000 | 63,843,000 | 62,682,000 |
| Risk-weighted assets | 297,231,000 | 285,040,000 | 301,275,000 | 311,991,000 |