PackageTrendsPeer
Letter portraitLegal landscape

Trust Company of the Berkshires, National Association, The

Pittsfield, MA · Cert 34045

FDIC

Q1 2003

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q1 2003, the quarter ended March 31, 2003, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Trust Company of the Berkshires, National Association, The

Pittsfield, MA · Cert 34045

FDIC

Q1 2003

$993KAssets
n/aLoans
n/aDeposits
$238KEquity

NIM

3.92%Q1 ’012.68%Q1 ’021.60%Q1 ’03-118%-528%

Non-interest income vs. expense

97.50%Q1 ’01102.49%Q1 ’02109.20%Q1 ’03+221%+35%

Executive Summary

  • Earnings: ROA of -22.80%, down 423 bps year over year; NIM at -2.40%.

Financial Results

Return on Assets (YTD, annualized)

-22.80%-423 bps YoY

Net Interest Margin (YTD, annualized)

-2.40%-202 bps YoY

Efficiency Ratio (YTD, annualized)

157.80%+1,966 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ1 2002Q2 2002Q3 2002Q4 2002Q1 2003YoY ΔTrend
Earnings
Return on Assets-18.57%-18.74%-19.54%-29.98%-22.80%-423 bps
Return on Equity-34.37%-35.11%-37.36%-63.10%-85.82%-5,145 bps
Net Interest Margin-0.38%-0.40%-0.83%-0.98%-2.40%-202 bps
Efficiency Ratio138.14%139.05%141.44%155.20%157.80%+1,966 bps
Non-Interest Burden27.92%29.35%31.05%48.58%37.60%+968 bps
Growth
Asset Growth (YoY)12.21%7.37%5.41%-5.53%-6.05%-1,826 bps
Loan Growth (YoY)n/an/an/an/an/an/an/a
Deposit Growth (YoY)n/an/an/an/an/an/an/a
Asset Quality
Nonperforming Loans / Loansn/an/an/an/an/an/an/a
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital176.58%181.11%131.41%64.08%27.13%-14,945 bps
Equity / Assets53.45%51.94%48.72%28.97%23.97%-2,949 bps
Liquidity & Funding
Loans / Depositsn/an/an/an/an/an/an/a
Liquid Assets / Assets9.37%5.47%9.85%17.73%15.41%+604 bps
CRE / Total Capitaln/an/an/an/an/an/an/a