Home > First National Bank of the Berkshires > Assets and Liabilities
First National Bank of the Berkshires, Assets and Liabilities
| 1996-12-31 | Rank | |
| # of Employees: | 37 | 4,911 |
| Assets and Liabilities | ||
| Total Assets: | $60,346,000 | 6,498 |
| Cash and due from depository institutions | $3,881,000 | 4,911 |
| Interest-bearing balances | $1,927,000 | 1,691 |
| Securities | $6,934,000 | 9,010 |
| Federal funds sold & reverse repurchase agreements | $0 | 8,460 |
| Net loans & leases | $46,687,000 | 5,281 |
| Loan loss allowance | $592,000 | 5,277 |
| Trading account assets | $0 | 240 |
| Bank premises and fixed assets | $1,037,000 | 5,888 |
| Other real estate owned | $877,000 | 4,911 |
| Goodwill and other intangibles | $0 | 3,437 |
| All other assets | $930,000 | 6,547 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $60,346,000 | 6,498 |
| Total liabilities | $54,698,000 | 6,449 |
| Total deposits | $48,984,000 | 6,691 |
| Interest-bearing deposits | $38,596,000 | 7,038 |
| Deposits held in domestic offices | $48,984,000 | 6,682 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $1,244,000 | 2,623 |
| Trading liabilities | $0 | 97 |
| Other borrowed funds | $3,800,000 | 2,108 |
| Subordinated debt | $0 | 298 |
| All other liabilities | $670,000 | 4,821 |
| Total equity capital | $5,648,000 | 6,699 |
| Total bank equity capital | $5,648,000 | 6,699 |
| Perpetual preferred stock | $0 | 250 |
| Common stock | $440,000 | 5,658 |
| Surplus | $2,193,000 | 5,212 |
| Undivided profits | $3,015,000 | 6,060 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $490,000 | 4,351 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,832 |
| Income earned, not collected on loans | $382,000 | 5,861 |
| Earning assets | $55,548,000 | 6,481 |
| Long-term assets (5+ years) | $2,608,000 | 7,313 |
| Average Assets, year-to-date | $61,685,000 | 6,234 |
| Average Assets, quarterly | $60,955,000 | 6,403 |
| Volatile liabilities | $5,182,000 | 6,995 |
| Insider loans | $699,000 | 4,588 |
| FHLB advances | $0 | 882 |
| Loans and leases held for sale | $0 | 1,560 |
| Unused loan commitments | $3,687,000 | 5,865 |
| Tier 1 (core) risk-based capital | $5,649,000 | 6,610 |
| Tier 2 risk-based capital | $452,240 | 5,649 |
| Total risk weighted assets | $36,039,340 | 6,416 |
| Total unused commitments | $3,687,000 | 5,879 |
| Derivatives | $0 | 549 |
| 1995-12-31 | Rank | |
| # of Employees: | 40 | 4,695 |
| Assets and Liabilities | ||
| Total Assets: | $63,059,000 | 6,400 |
| Cash and due from depository institutions | $4,139,000 | 4,695 |
| Interest-bearing balances | $1,730,000 | 1,964 |
| Securities | $11,380,000 | 7,809 |
| Federal funds sold & reverse repurchase agreements | $0 | 9,298 |
| Net loans & leases | $45,331,000 | 5,346 |
| Loan loss allowance | $546,000 | 5,678 |
| Trading account assets | $0 | 261 |
| Bank premises and fixed assets | $542,000 | 8,081 |
| Other real estate owned | $768,000 | 4,695 |
| Goodwill and other intangibles | $0 | 3,181 |
| All other assets | $899,000 | 6,828 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $63,059,000 | 6,400 |
| Total liabilities | $57,682,000 | 6,320 |
| Total deposits | $48,893,000 | 6,876 |
| Interest-bearing deposits | $38,917,000 | 7,170 |
| Deposits held in domestic offices | $48,893,000 | 6,871 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,736 |
| Trading liabilities | $0 | 110 |
| Other borrowed funds | $8,200,000 | 1,296 |
| Subordinated debt | $0 | 337 |
| All other liabilities | $589,000 | 5,556 |
| Total equity capital | $5,377,000 | 7,029 |
| Total bank equity capital | $5,377,000 | 7,029 |
| Perpetual preferred stock | $0 | 288 |
| Common stock | $440,000 | 5,962 |
| Surplus | $2,193,000 | 5,245 |
| Undivided profits | $2,744,000 | 6,491 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $635,000 | 3,667 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,782 |
| Income earned, not collected on loans | $365,000 | 6,234 |
| Earning assets | $58,441,000 | 6,353 |
| Long-term assets (5+ years) | $2,666,000 | 7,307 |
| Average Assets, year-to-date | $61,374,600 | 6,316 |
| Average Assets, quarterly | $62,537,500 | 6,379 |
| Volatile liabilities | $7,497,000 | 5,528 |
| Insider loans | $954,000 | 3,845 |
| FHLB advances | $0 | 855 |
| Loans and leases held for sale | $0 | 1,606 |
| Unused loan commitments | $3,920,000 | 5,637 |
| Tier 1 (core) risk-based capital | $5,344,000 | 6,937 |
| Tier 2 risk-based capital | $467,260 | 5,565 |
| Total risk weighted assets | $37,254,260 | 6,283 |
| Total unused commitments | $3,920,000 | 5,648 |
| Derivatives | $0 | 628 |
| 1994-12-31 | Rank | |
| # of Employees: | 41 | 4,778 |
| Assets and Liabilities | ||
| Total Assets: | $58,082,000 | 6,811 |
| Cash and due from depository institutions | $2,087,000 | 4,778 |
| Interest-bearing balances | $0 | 7,034 |
| Securities | $13,933,000 | 7,408 |
| Federal funds sold & reverse repurchase agreements | $0 | 8,397 |
| Net loans & leases | $40,229,000 | 5,753 |
| Loan loss allowance | $558,000 | 5,728 |
| Trading account assets | $0 | 286 |
| Bank premises and fixed assets | $313,000 | 9,749 |
| Other real estate owned | $792,000 | 4,778 |
| Goodwill and other intangibles | $0 | 3,133 |
| All other assets | $728,000 | 8,108 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $58,082,000 | 6,811 |
| Total liabilities | $53,182,000 | 6,750 |
| Total deposits | $47,742,000 | 7,020 |
| Interest-bearing deposits | $37,875,000 | 7,341 |
| Deposits held in domestic offices | $47,742,000 | 7,012 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $1,630,000 | 2,856 |
| Trading liabilities | $0 | 87 |
| Other borrowed funds | $3,400,000 | 2,065 |
| Subordinated debt | $0 | 372 |
| All other liabilities | $410,000 | 5,975 |
| Total equity capital | $4,900,000 | 7,229 |
| Total bank equity capital | $4,900,000 | 7,229 |
| Perpetual preferred stock | $0 | 310 |
| Common stock | $440,000 | 6,312 |
| Surplus | $2,193,000 | 5,226 |
| Undivided profits | $2,267,000 | 6,777 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $724,000 | 3,353 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,752 |
| Income earned, not collected on loans | $235,000 | 7,748 |
| Earning assets | $54,162,000 | 6,707 |
| Long-term assets (5+ years) | $4,696,000 | 6,178 |
| Average Assets, year-to-date | $55,637,800 | 6,887 |
| Average Assets, quarterly | $57,247,000 | 6,832 |
| Volatile liabilities | $6,589,000 | 5,775 |
| Insider loans | $725,000 | 4,571 |
| FHLB advances | $0 | 993 |
| Loans and leases held for sale | $0 | 1,430 |
| Unused loan commitments | $3,958,000 | 5,571 |
| Tier 1 (core) risk-based capital | $4,962,000 | 7,264 |
| Tier 2 risk-based capital | $421,950 | 5,999 |
| Total risk weighted assets | $33,539,250 | 6,714 |
| Total unused commitments | $3,958,000 | 5,577 |
| Derivatives | $0 | 687 |
| 1993-12-31 | Rank | |
| # of Employees: | 41 | 4,957 |
| Assets and Liabilities | ||
| Total Assets: | $54,095,000 | 7,347 |
| Cash and due from depository institutions | $2,755,000 | 4,957 |
| Interest-bearing balances | $468,000 | 4,491 |
| Securities | $13,986,000 | 7,716 |
| Federal funds sold & reverse repurchase agreements | $26,000 | 10,300 |
| Net loans & leases | $35,073,000 | 6,283 |
| Loan loss allowance | $546,000 | 5,991 |
| Trading account assets | $0 | 330 |
| Bank premises and fixed assets | $315,000 | 10,078 |
| Other real estate owned | $1,252,000 | 4,957 |
| Goodwill and other intangibles | $0 | 3,091 |
| All other assets | $688,000 | 7,874 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $54,095,000 | 7,347 |
| Total liabilities | $49,398,000 | 7,289 |
| Total deposits | $49,025,000 | 7,145 |
| Interest-bearing deposits | $40,810,000 | 7,306 |
| Deposits held in domestic offices | $49,025,000 | 7,137 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,944 |
| Trading liabilities | $0 | 1 |
| Other borrowed funds | $0 | 5,027 |
| Subordinated debt | $0 | 413 |
| All other liabilities | $373,000 | 6,603 |
| Total equity capital | $4,697,000 | 7,595 |
| Total bank equity capital | $4,697,000 | 7,595 |
| Perpetual preferred stock | $0 | 343 |
| Common stock | $440,000 | 6,615 |
| Surplus | $2,193,000 | 5,210 |
| Undivided profits | $2,064,000 | 7,412 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $1,228,000 | 2,729 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,950 |
| Income earned, not collected on loans | $196,000 | 8,239 |
| Earning assets | $49,553,000 | 7,315 |
| Long-term assets (5+ years) | $5,824,000 | 5,980 |
| Average Assets, year-to-date | $55,174,400 | 7,096 |
| Average Assets, quarterly | $55,308,500 | 7,182 |
| Volatile liabilities | $1,673,000 | 10,224 |
| Insider loans | $854,000 | 4,161 |
| FHLB advances | $0 | 821 |
| Loans and leases held for sale | $0 | 1,681 |
| Unused loan commitments | $4,417,000 | 5,240 |
| Tier 1 (core) risk-based capital | $4,697,000 | 7,525 |
| Tier 2 risk-based capital | $393,530 | 6,359 |
| Total risk weighted assets | $31,313,130 | 7,074 |
| Total unused commitments | $4,417,000 | 5,262 |
| Derivatives | $0 | 714 |
| 1992-12-31 | Rank | |
| # of Employees: | 37 | 5,527 |
| Assets and Liabilities | ||
| Total Assets: | $54,697,000 | 7,410 |
| Cash and due from depository institutions | $2,892,000 | 5,527 |
| Interest-bearing balances | $674,000 | 4,476 |
| Securities | $10,783,000 | 8,818 |
| Federal funds sold & reverse repurchase agreements | $2,946,000 | 5,115 |
| Net loans & leases | $35,019,000 | 6,312 |
| Loan loss allowance | $488,000 | 6,603 |
| Trading account assets | $0 | 344 |
| Bank premises and fixed assets | $355,000 | 10,018 |
| Other real estate owned | $1,971,000 | 5,527 |
| Goodwill and other intangibles | $0 | 3,106 |
| All other assets | $731,000 | 7,845 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $54,697,000 | 7,410 |
| Total liabilities | $50,267,000 | 7,370 |
| Total deposits | $49,870,000 | 7,217 |
| Interest-bearing deposits | $41,640,000 | 7,411 |
| Deposits held in domestic offices | $49,870,000 | 7,210 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,764 |
| Trading liabilities | $0 | 1 |
| Other borrowed funds | $0 | 5,085 |
| Subordinated debt | $0 | 482 |
| All other liabilities | $397,000 | 6,849 |
| Total equity capital | $4,430,000 | 7,726 |
| Total bank equity capital | $4,430,000 | 7,726 |
| Perpetual preferred stock | $0 | 346 |
| Common stock | $440,000 | 6,951 |
| Surplus | $2,193,000 | 5,120 |
| Undivided profits | $1,797,000 | 7,785 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $2,300,000 | 2,052 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1 |
| Income earned, not collected on loans | $232,000 | 7,913 |
| Earning assets | $49,422,000 | 7,453 |
| Long-term assets (5+ years) | $4,341,000 | 6,911 |
| Average Assets, year-to-date | $53,401,800 | 7,375 |
| Average Assets, quarterly | $53,819,500 | 7,441 |
| Volatile liabilities | $1,209,000 | 11,369 |
| Insider loans | $643,000 | 1,391 |
| FHLB advances | $0 | 832 |
| Loans and leases held for sale | $340,000 | 968 |
| Unused loan commitments | $1,450,000 | 8,212 |
| Tier 1 (core) risk-based capital | $4,430,000 | 7,672 |
| Tier 2 risk-based capital | $395,860 | 6,299 |
| Total risk weighted assets | $31,576,760 | 7,065 |
| Total unused commitments | $1,450,000 | 8,241 |
| Derivatives | $0 | 651 |