Call reports 2007
BERKSHIRE BANK, THE — 2007
What BERKSHIRE BANK, THE reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 964,568,000 | 966,551,000 | 1,039,235,000 | 1,094,047,000 |
| Total loans | 378,151,000 | 380,838,000 | 396,776,000 | 434,785,000 |
| Allowance for loan losses | 3,848,000 | 3,928,000 | 4,006,000 | 4,183,000 |
| Securities available for sale | 500,339,000 | 539,426,000 | 582,623,000 | 584,456,000 |
| Securities held to maturity | 426,000 | 418,000 | 400,000 | 395,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 778,112,000 | 782,302,000 | 826,754,000 | 857,828,000 |
| Interest-bearing deposits | 728,463,000 | 732,157,000 | 776,210,000 | 804,022,000 |
| Noninterest-bearing deposits | 49,649,000 | 50,145,000 | 50,544,000 | 53,806,000 |
| Equity capital | 110,645,000 | 109,427,000 | 113,499,000 | 117,262,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 13,420,000 | 27,165,000 | 41,518,000 | 57,264,000 |
| Interest expense | 8,424,000 | 17,147,000 | 26,383,000 | 36,004,000 |
| Net interest income | 4,996,000 | 10,018,000 | 15,135,000 | 21,260,000 |
| Noninterest income | 390,000 | 781,000 | 1,166,000 | 1,573,000 |
| Noninterest expense | 3,210,000 | 6,364,000 | 9,624,000 | 13,035,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 355,000 |
| Pretax income | 2,101,000 | 4,285,000 | 6,413,000 | 9,404,000 |
| Income tax | 766,000 | 1,531,000 | 2,022,000 | 2,676,000 |
| Net income | 1,335,000 | 2,754,000 | 4,391,000 | 6,728,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 96,261,000 | 97,207,000 | 98,407,000 | 100,312,000 |
| Total capital | 100,109,000 | 101,135,000 | 102,413,000 | 104,495,000 |
| Risk-weighted assets | 550,357,000 | 562,563,000 | 668,065,000 | 721,907,000 |
Machine access — free, no API key
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