Call reports 2006
BERKSHIRE BANK MUNICIPAL BANK — 2006
What BERKSHIRE BANK MUNICIPAL BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 11,401,000 | 10,863,000 | 10,619,000 | 10,266,000 |
| Total loans | 0 | 0 | 0 | 0 |
| Allowance for loan losses | 0 | 0 | 0 | 0 |
| Securities available for sale | 9,324,000 | 8,741,000 | 8,560,000 | 8,202,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 3,154,000 | 3,090,000 | 4,258,000 | 4,928,000 |
| Interest-bearing deposits | 3,036,000 | 3,035,000 | 4,197,000 | 4,877,000 |
| Noninterest-bearing deposits | 119,000 | 55,000 | 61,000 | 51,000 |
| Equity capital | 1,918,000 | 1,829,000 | 1,932,000 | 1,906,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 126,000 | 248,000 | 364,000 | 474,000 |
| Interest expense | 103,000 | 209,000 | 322,000 | 427,000 |
| Net interest income | 23,000 | 39,000 | 42,000 | 47,000 |
| Noninterest income | 0 | 0 | 1,000 | 0 |
| Noninterest expense | 30,000 | 58,000 | 86,000 | 117,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -7,000 | -19,000 | -43,000 | -70,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -7,000 | -19,000 | -43,000 | -70,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,989,000 | 1,969,000 | 1,952,000 | 1,925,000 |
| Total capital | 1,989,000 | 1,969,000 | 1,952,000 | 1,925,000 |
| Risk-weighted assets | 2,344,000 | 1,867,000 | 1,763,000 | 2,089,000 |