Call reports 2025
BERKSHIRE BANK, THE — 2025
What BERKSHIRE BANK, THE reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 585,256,000 | 573,722,000 | 572,295,000 | 536,341,000 |
| Total loans | 188,795,000 | 180,214,000 | 168,491,000 | 158,313,000 |
| Allowance for loan losses | 9,178,000 | 9,178,000 | 9,678,000 | 9,678,000 |
| Securities available for sale | 102,517,000 | 106,233,000 | 101,369,000 | 63,678,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 447,998,000 | 440,182,000 | 438,459,000 | 404,232,000 |
| Interest-bearing deposits | 360,116,000 | 345,817,000 | 340,192,000 | 307,959,000 |
| Noninterest-bearing deposits | 87,882,000 | 94,365,000 | 98,267,000 | 96,273,000 |
| Equity capital | 130,739,000 | 126,702,000 | 127,785,000 | 126,230,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 6,868,000 | 13,670,000 | 20,417,000 | 26,432,000 |
| Interest expense | 1,817,000 | 3,528,000 | 4,975,000 | 6,095,000 |
| Net interest income | 5,051,000 | 10,142,000 | 15,442,000 | 20,337,000 |
| Noninterest income | 41,000 | 1,432,000 | 1,493,000 | 2,180,000 |
| Noninterest expense | 3,856,000 | 7,666,000 | 11,560,000 | 15,438,000 |
| Provision for loan losses | 0 | 0 | 500,000 | 500,000 |
| Pretax income | 1,244,000 | 3,889,000 | 4,916,000 | 6,294,000 |
| Income tax | 351,000 | 1,274,000 | 1,732,000 | 2,245,000 |
| Net income | 893,000 | 2,615,000 | 3,184,000 | 4,049,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 134,891,000 | 130,612,000 | 131,180,000 | 129,045,000 |
| Total capital | 137,257,000 | 132,855,000 | 133,302,000 | 131,045,000 |
| Risk-weighted assets | 182,461,000 | 172,544,000 | 162,244,000 | 152,320,000 |