Call reports 2004
BERKSHIRE BANK, THE — 2004
What BERKSHIRE BANK, THE reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 929,465,000 | 948,380,000 | 956,118,000 | 949,133,000 |
| Total loans | 289,138,000 | 287,132,000 | 282,105,000 | 280,920,000 |
| Allowance for loan losses | 2,661,000 | 2,709,000 | 2,866,000 | 2,927,000 |
| Securities available for sale | 604,614,000 | 604,661,000 | 626,373,000 | 617,075,000 |
| Securities held to maturity | 689,000 | 662,000 | 642,000 | 625,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 632,646,000 | 623,238,000 | 627,602,000 | 625,172,000 |
| Interest-bearing deposits | 594,097,000 | 584,610,000 | 588,810,000 | 582,949,000 |
| Noninterest-bearing deposits | 38,549,000 | 38,628,000 | 38,792,000 | 42,223,000 |
| Equity capital | 81,656,000 | 89,532,000 | 94,754,000 | 95,877,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 9,407,000 | 18,878,000 | 28,829,000 | 38,917,000 |
| Interest expense | 3,745,000 | 7,497,000 | 11,424,000 | 15,523,000 |
| Net interest income | 5,662,000 | 11,381,000 | 17,405,000 | 23,394,000 |
| Noninterest income | 325,000 | 489,000 | 771,000 | 1,026,000 |
| Noninterest expense | 2,585,000 | 5,355,000 | 8,054,000 | 10,644,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 180,000 |
| Pretax income | 3,443,000 | 6,528,000 | 10,046,000 | 13,655,000 |
| Income tax | 1,460,000 | 2,835,000 | 4,272,000 | 5,987,000 |
| Net income | 1,983,000 | 3,693,000 | 5,774,000 | 7,668,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 60,066,000 | 76,366,000 | 78,298,000 | 80,042,000 |
| Total capital | 62,727,000 | 79,075,000 | 81,164,000 | 82,969,000 |
| Risk-weighted assets | 330,155,000 | 333,056,000 | 352,214,000 | 344,878,000 |
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