Call reports 2005
BERKSHIRE BANK, THE — 2005
What BERKSHIRE BANK, THE reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 989,102,000 | 979,554,000 | 926,959,000 | 954,371,000 |
| Total loans | 278,769,000 | 292,374,000 | 281,492,000 | 309,231,000 |
| Allowance for loan losses | 3,022,000 | 3,081,000 | 3,129,000 | 3,266,000 |
| Securities available for sale | 657,134,000 | 639,477,000 | 594,854,000 | 583,108,000 |
| Securities held to maturity | 607,000 | 592,000 | 577,000 | 561,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 650,092,000 | 621,761,000 | 659,084,000 | 687,185,000 |
| Interest-bearing deposits | 606,986,000 | 573,479,000 | 614,983,000 | 636,914,000 |
| Noninterest-bearing deposits | 43,106,000 | 48,282,000 | 44,101,000 | 50,271,000 |
| Equity capital | 93,828,000 | 105,267,000 | 104,694,000 | 104,009,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 10,585,000 | 21,496,000 | 32,352,000 | 43,434,000 |
| Interest expense | 4,620,000 | 9,866,000 | 15,411,000 | 21,183,000 |
| Net interest income | 5,965,000 | 11,630,000 | 16,941,000 | 22,251,000 |
| Noninterest income | 268,000 | 552,000 | 854,000 | 1,210,000 |
| Noninterest expense | 2,982,000 | 6,085,000 | 9,070,000 | 12,177,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 180,000 |
| Pretax income | 3,206,000 | 6,007,000 | 8,585,000 | 11,098,000 |
| Income tax | 1,409,000 | 2,630,000 | 3,773,000 | 4,869,000 |
| Net income | 1,797,000 | 3,377,000 | 4,812,000 | 6,229,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 81,664,000 | 89,817,000 | 90,901,000 | 91,926,000 |
| Total capital | 84,686,000 | 92,898,000 | 94,030,000 | 95,192,000 |
| Risk-weighted assets | 364,657,000 | 369,710,000 | 367,064,000 | 413,946,000 |
Machine access — free, no API key
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