Call reports 2014
BERKSHIRE BANK, THE — 2014
What BERKSHIRE BANK, THE reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 763,007,000 | 754,021,000 | 760,380,000 | 755,485,000 |
| Total loans | 315,271,000 | 295,289,000 | 296,992,000 | 303,574,000 |
| Allowance for loan losses | 7,726,000 | 7,103,000 | 7,158,000 | 7,560,000 |
| Securities available for sale | 344,407,000 | 351,365,000 | 368,629,000 | 368,477,000 |
| Securities held to maturity | 247,000 | 242,000 | 236,000 | 231,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 607,247,000 | 593,223,000 | 599,094,000 | 617,192,000 |
| Interest-bearing deposits | 523,462,000 | 495,286,000 | 505,765,000 | 521,900,000 |
| Noninterest-bearing deposits | 83,784,000 | 97,938,000 | 93,329,000 | 95,292,000 |
| Equity capital | 120,271,000 | 125,231,000 | 124,888,000 | 101,473,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 6,312,000 | 12,732,000 | 18,626,000 | 24,330,000 |
| Interest expense | 884,000 | 1,783,000 | 2,748,000 | 3,722,000 |
| Net interest income | 5,428,000 | 10,949,000 | 15,878,000 | 20,608,000 |
| Noninterest income | 126,000 | 314,000 | 445,000 | 1,287,000 |
| Noninterest expense | 4,201,000 | 8,248,000 | 12,288,000 | 16,208,000 |
| Provision for loan losses | -60,000 | -683,000 | -628,000 | -226,000 |
| Pretax income | 1,431,000 | 4,121,000 | 5,152,000 | 6,414,000 |
| Income tax | 524,000 | 1,504,000 | 2,396,000 | 2,671,000 |
| Net income | 907,000 | 2,617,000 | 2,756,000 | 3,743,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 117,499,000 | 120,503,000 | 120,493,000 | 94,885,000 |
| Total capital | 122,112,000 | 124,792,000 | 124,759,000 | 99,261,000 |
| Risk-weighted assets | 365,908,000 | 340,303,000 | 338,410,000 | 346,886,000 |
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