Call reports 2013
BERKSHIRE BANK — 2013
What BERKSHIRE BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 5,219,176,000 | 5,197,998,000 | 5,430,894,000 | 5,645,664,000 |
| Total loans | 3,961,419,000 | 3,934,776,000 | 4,050,907,000 | 4,196,363,000 |
| Allowance for loan losses | 33,263,000 | 33,248,000 | 33,248,000 | 33,323,000 |
| Securities available for sale | 558,106,000 | 567,456,000 | 683,974,000 | 759,323,000 |
| Securities held to maturity | 50,472,000 | 49,604,000 | 46,925,000 | 44,921,000 |
| Trading assets | 19,243,000 | 20,479,000 | 16,306,000 | 15,359,000 |
| Total deposits | 4,138,321,000 | 3,847,809,000 | 3,905,210,000 | 3,916,145,000 |
| Interest-bearing deposits | 3,443,885,000 | 3,171,164,000 | 3,212,147,000 | 3,190,329,000 |
| Noninterest-bearing deposits | 694,436,000 | 676,645,000 | 693,063,000 | 725,816,000 |
| Equity capital | 667,836,000 | 669,142,000 | 670,457,000 | 674,298,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 50,879,000 | 100,571,000 | 155,074,000 | 203,731,000 |
| Interest expense | 7,977,000 | 15,583,000 | 23,279,000 | 31,096,000 |
| Net interest income | 42,902,000 | 84,988,000 | 131,795,000 | 172,635,000 |
| Noninterest income | 11,937,000 | 24,085,000 | 33,339,000 | 43,335,000 |
| Noninterest expense | 36,808,000 | 72,023,000 | 112,221,000 | 146,799,000 |
| Provision for loan losses | 2,400,000 | 5,100,000 | 8,278,000 | 11,378,000 |
| Pretax income | 15,631,000 | 32,955,000 | 46,001,000 | 62,551,000 |
| Income tax | 4,705,000 | 9,208,000 | 13,521,000 | 18,802,000 |
| Net income | 10,926,000 | 23,747,000 | 32,480,000 | 43,749,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 402,341,000 | 404,878,000 | 402,775,000 | 416,803,000 |
| Total capital | 472,451,000 | 474,345,000 | 472,606,000 | 486,075,000 |
| Risk-weighted assets | 3,890,511,000 | 3,883,365,000 | 3,977,430,000 | 4,181,933,000 |
Machine access — free, no API key
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