Call reports 2011
BERKSHIRE BANK — 2011
What BERKSHIRE BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 2,850,668,000 | 3,189,007,000 | 4,054,394,000 | 3,955,635,000 |
| Total loans | 2,145,444,000 | 2,451,690,000 | 3,003,614,000 | 2,960,492,000 |
| Allowance for loan losses | 31,898,000 | 31,919,000 | 32,181,000 | 32,444,000 |
| Securities available for sale | 313,756,000 | 306,073,000 | 395,546,000 | 419,756,000 |
| Securities held to maturity | 56,628,000 | 55,061,000 | 58,262,000 | 58,913,000 |
| Trading assets | 15,781,000 | 16,025,000 | 17,501,000 | 17,395,000 |
| Total deposits | 2,257,947,000 | 2,499,230,000 | 3,273,282,000 | 3,176,204,000 |
| Interest-bearing deposits | 1,958,862,000 | 2,134,566,000 | 2,785,956,000 | 2,700,415,000 |
| Noninterest-bearing deposits | 299,085,000 | 364,664,000 | 487,326,000 | 475,789,000 |
| Equity capital | 357,743,000 | 414,154,000 | 508,958,000 | 517,015,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 27,910,000 | 59,961,000 | 99,927,000 | 139,158,000 |
| Interest expense | 7,557,000 | 15,259,000 | 23,333,000 | 31,199,000 |
| Net interest income | 20,353,000 | 44,702,000 | 76,594,000 | 107,959,000 |
| Noninterest income | 4,182,000 | 9,324,000 | 17,657,000 | 29,694,000 |
| Noninterest expense | 18,362,000 | 42,248,000 | 77,033,000 | 104,116,000 |
| Provision for loan losses | 1,600,000 | 3,100,000 | 5,300,000 | 7,563,000 |
| Pretax income | 4,573,000 | 8,684,000 | 11,924,000 | 25,988,000 |
| Income tax | 1,354,000 | 2,246,000 | 1,968,000 | 6,853,000 |
| Net income | 3,219,000 | 6,438,000 | 9,956,000 | 19,135,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 216,806,000 | 252,456,000 | 298,803,000 | 314,320,000 |
| Total capital | 246,296,000 | 285,049,000 | 331,369,000 | 347,187,000 |
| Risk-weighted assets | 2,264,243,000 | 2,533,511,000 | 3,115,824,000 | 3,076,448,000 |
Machine access — free, no API key
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