Call reports 2015
BERKSHIRE BANK — 2015
What BERKSHIRE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 6,548,886,000 | 7,504,005,000 | 7,785,555,000 | 7,811,263,000 |
| Total loans | 4,757,968,000 | 5,333,128,000 | 5,690,401,000 | 5,738,427,000 |
| Allowance for loan losses | 36,286,000 | 37,197,000 | 38,180,000 | 39,308,000 |
| Securities available for sale | 1,098,937,000 | 1,208,794,000 | 1,179,519,000 | 1,158,649,000 |
| Securities held to maturity | 42,818,000 | 86,994,000 | 133,165,000 | 131,650,000 |
| Trading assets | 31,391,000 | 26,845,000 | 34,702,000 | 31,696,000 |
| Total deposits | 4,758,613,000 | 5,379,939,000 | 5,567,859,000 | 5,628,481,000 |
| Interest-bearing deposits | 3,827,458,000 | 4,329,252,000 | 4,526,147,000 | 4,507,275,000 |
| Noninterest-bearing deposits | 931,154,000 | 1,050,687,000 | 1,041,712,000 | 1,121,206,000 |
| Equity capital | 715,551,000 | 823,886,000 | 876,975,000 | 878,803,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 52,749,000 | 113,149,000 | 178,663,000 | 247,119,000 |
| Interest expense | 6,410,000 | 13,330,000 | 20,976,000 | 29,814,000 |
| Net interest income | 46,339,000 | 99,819,000 | 157,687,000 | 217,305,000 |
| Noninterest income | 9,144,000 | 20,574,000 | 30,358,000 | 40,511,000 |
| Noninterest expense | 42,259,000 | 89,508,000 | 135,651,000 | 184,430,000 |
| Provision for loan losses | 3,851,000 | 8,055,000 | 12,295,000 | 16,726,000 |
| Pretax income | 9,407,000 | 25,248,000 | 42,566,000 | 58,770,000 |
| Income tax | 433,000 | 3,384,000 | 5,201,000 | 6,653,000 |
| Net income | 8,974,000 | 21,864,000 | 37,365,000 | 52,117,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 451,103,000 | 523,718,000 | 556,756,000 | 569,131,000 |
| Total capital | 521,113,000 | 595,380,000 | 628,222,000 | 642,866,000 |
| Risk-weighted assets | 4,817,350,000 | 5,425,023,000 | 5,688,369,000 | 5,761,030,000 |