Call reports 2009
BERKSHIRE BANK, THE — 2009
What BERKSHIRE BANK, THE reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 854,109,000 | 846,664,000 | 867,720,000 | 892,310,000 |
| Total loans | 453,938,000 | 446,333,000 | 441,449,000 | 430,349,000 |
| Allowance for loan losses | 9,357,000 | 9,757,000 | 10,756,000 | 11,416,000 |
| Securities available for sale | 299,094,000 | 302,548,000 | 340,980,000 | 350,619,000 |
| Securities held to maturity | 356,000 | 349,000 | 344,000 | 339,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 690,625,000 | 673,415,000 | 688,717,000 | 714,438,000 |
| Interest-bearing deposits | 637,100,000 | 617,218,000 | 630,938,000 | 651,567,000 |
| Noninterest-bearing deposits | 53,525,000 | 56,197,000 | 57,779,000 | 62,871,000 |
| Equity capital | 59,309,000 | 72,698,000 | 81,102,000 | 90,501,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 12,179,000 | 23,616,000 | 34,565,000 | 45,374,000 |
| Interest expense | 5,083,000 | 9,365,000 | 12,957,000 | 16,326,000 |
| Net interest income | 7,096,000 | 14,251,000 | 21,608,000 | 29,048,000 |
| Noninterest income | 324,000 | 589,000 | 838,000 | 1,056,000 |
| Noninterest expense | 4,170,000 | 8,244,000 | 12,082,000 | 16,083,000 |
| Provision for loan losses | 150,000 | 550,000 | 1,550,000 | 9,300,000 |
| Pretax income | 2,151,000 | 5,208,000 | 5,229,000 | -4,626,000 |
| Income tax | 693,000 | 1,792,000 | 1,571,000 | -12,264,000 |
| Net income | 1,458,000 | 3,416,000 | 3,658,000 | 7,638,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 79,130,000 | 79,780,000 | 80,004,000 | 84,003,000 |
| Total capital | 86,973,000 | 87,075,000 | 87,035,000 | 90,793,000 |
| Risk-weighted assets | 625,912,000 | 581,246,000 | 558,779,000 | 538,545,000 |
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