Call reports 2010
BERKSHIRE BANK MUNICIPAL BANK — 2010
What BERKSHIRE BANK MUNICIPAL BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 25,462,000 | 25,958,000 | 24,553,000 | 28,371,000 |
| Total loans | 0 | 0 | 0 | 0 |
| Allowance for loan losses | 0 | 0 | 0 | 0 |
| Securities available for sale | 14,062,000 | 13,121,000 | 11,407,000 | 15,465,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 11,928,000 | 12,435,000 | 10,974,000 | 14,694,000 |
| Interest-bearing deposits | 11,679,000 | 12,298,000 | 10,836,000 | 14,533,000 |
| Noninterest-bearing deposits | 249,000 | 137,000 | 138,000 | 161,000 |
| Equity capital | 13,372,000 | 13,387,000 | 13,449,000 | 13,534,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 124,000 | 250,000 | 384,000 | 513,000 |
| Interest expense | 34,000 | 63,000 | 92,000 | 127,000 |
| Net interest income | 90,000 | 187,000 | 292,000 | 386,000 |
| Noninterest income | 0 | 0 | 0 | 0 |
| Noninterest expense | 31,000 | 62,000 | 93,000 | 124,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 59,000 | 125,000 | 199,000 | 262,000 |
| Income tax | 3,000 | 6,000 | 9,000 | 12,000 |
| Net income | 56,000 | 119,000 | 190,000 | 250,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,092,000 | 13,154,000 | 13,224,000 | 13,286,000 |
| Total capital | 13,092,000 | 13,154,000 | 13,224,000 | 13,286,000 |
| Risk-weighted assets | 5,083,000 | 5,191,000 | 4,903,000 | 5,663,000 |