Call reports 2015
BANK OF BENNINGTON, THE — 2015
What BANK OF BENNINGTON, THE reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 374,896,000 | 379,303,000 | 384,563,000 | 395,279,000 |
| Total loans | 303,009,000 | 310,536,000 | 320,080,000 | 319,783,000 |
| Allowance for loan losses | 3,678,000 | 3,716,000 | 3,563,000 | 3,542,000 |
| Securities available for sale | 40,270,000 | 37,209,000 | 39,800,000 | 48,692,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 244,582,000 | 250,314,000 | 253,639,000 | 253,849,000 |
| Interest-bearing deposits | 209,417,000 | 215,661,000 | 217,162,000 | 214,892,000 |
| Noninterest-bearing deposits | 35,165,000 | 34,653,000 | 36,477,000 | 38,957,000 |
| Equity capital | 35,607,000 | 35,736,000 | 36,592,000 | 37,005,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 3,462,000 | 6,945,000 | 10,471,000 | 14,009,000 |
| Interest expense | 726,000 | 1,477,000 | 2,231,000 | 3,002,000 |
| Net interest income | 2,736,000 | 5,468,000 | 8,240,000 | 11,007,000 |
| Noninterest income | 368,000 | 797,000 | 1,282,000 | 1,758,000 |
| Noninterest expense | 2,219,000 | 5,080,000 | 7,244,000 | 9,593,000 |
| Provision for loan losses | 0 | 60,000 | 146,000 | 213,000 |
| Pretax income | 885,000 | 1,141,000 | 2,148,000 | 2,975,000 |
| Income tax | 254,000 | 294,000 | 573,000 | 788,000 |
| Net income | 631,000 | 847,000 | 1,575,000 | 2,187,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,518,000 | 35,734,000 | 36,463,000 | 37,074,000 |
| Total capital | 38,174,000 | 38,489,000 | 39,333,000 | 40,031,000 |
| Risk-weighted assets | 211,474,000 | 219,443,000 | 228,982,000 | 235,978,000 |