Call reports 2012
BERKSHIRE BANK — 2012
What BERKSHIRE BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 4,000,234,000 | 4,479,401,000 | 4,619,911,000 | 5,269,975,000 |
| Total loans | 3,039,000,000 | 3,424,899,000 | 3,533,089,000 | 4,074,021,000 |
| Allowance for loan losses | 32,657,000 | 32,868,000 | 33,090,000 | 33,208,000 |
| Securities available for sale | 423,580,000 | 471,368,000 | 467,444,000 | 466,170,000 |
| Securities held to maturity | 59,533,000 | 41,822,000 | 51,156,000 | 51,025,000 |
| Trading assets | 16,847,000 | 21,393,000 | 25,069,000 | 23,152,000 |
| Total deposits | 3,201,270,000 | 3,421,588,000 | 3,536,716,000 | 4,142,994,000 |
| Interest-bearing deposits | 2,733,670,000 | 2,874,234,000 | 2,889,356,000 | 3,426,489,000 |
| Noninterest-bearing deposits | 467,600,000 | 547,354,000 | 647,360,000 | 716,505,000 |
| Equity capital | 523,181,000 | 558,312,000 | 568,595,000 | 662,093,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 38,676,000 | 81,332,000 | 124,450,000 | 175,936,000 |
| Interest expense | 7,332,000 | 14,746,000 | 22,361,000 | 30,773,000 |
| Net interest income | 31,344,000 | 66,586,000 | 102,089,000 | 145,163,000 |
| Noninterest income | 7,471,000 | 17,040,000 | 27,927,000 | 41,344,000 |
| Noninterest expense | 28,285,000 | 59,179,000 | 88,102,000 | 128,078,000 |
| Provision for loan losses | 2,000,000 | 4,250,000 | 6,750,000 | 9,590,000 |
| Pretax income | 8,530,000 | 20,204,000 | 35,171,000 | 50,281,000 |
| Income tax | 2,564,000 | 5,672,000 | 10,777,000 | 14,974,000 |
| Net income | 5,966,000 | 14,532,000 | 24,394,000 | 35,307,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 322,792,000 | 329,357,000 | 338,836,000 | 387,548,000 |
| Total capital | 356,043,000 | 362,720,000 | 372,665,000 | 456,314,000 |
| Risk-weighted assets | 3,080,118,000 | 3,443,910,000 | 3,341,548,000 | 3,871,052,000 |
Machine access — free, no API key
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