Call reports 2012
BERKSHIRE BANK MUNICIPAL BANK — 2012
What BERKSHIRE BANK MUNICIPAL BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 57,787,000 | 58,638,000 | 58,919,000 | 68,397,000 |
| Total loans | 0 | 0 | 0 | 0 |
| Allowance for loan losses | 0 | 0 | 0 | 0 |
| Securities available for sale | 46,751,000 | 43,678,000 | 40,801,000 | 38,202,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 43,487,000 | 44,361,000 | 44,514,000 | 53,851,000 |
| Interest-bearing deposits | 43,228,000 | 44,171,000 | 44,252,000 | 53,479,000 |
| Noninterest-bearing deposits | 259,000 | 190,000 | 262,000 | 373,000 |
| Equity capital | 14,093,000 | 14,144,000 | 14,251,000 | 14,391,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 232,000 | 483,000 | 678,000 | 853,000 |
| Interest expense | 51,000 | 100,000 | 140,000 | 187,000 |
| Net interest income | 181,000 | 383,000 | 538,000 | 666,000 |
| Noninterest income | 0 | 0 | 0 | 2,000 |
| Noninterest expense | 36,000 | 75,000 | 114,000 | 145,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 145,000 | 308,000 | 424,000 | 523,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 145,000 | 308,000 | 424,000 | 523,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,787,000 | 13,950,000 | 14,065,000 | 14,165,000 |
| Total capital | 13,787,000 | 13,950,000 | 14,065,000 | 14,165,000 |
| Risk-weighted assets | 11,391,000 | 11,694,000 | 11,796,000 | 13,604,000 |