Call reports 2001
BENNINGTON STATE BANK, THE — 2001
What BENNINGTON STATE BANK, THE reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 211,076,000 | 217,977,000 | 221,008,000 | 236,217,000 |
| Total loans | 150,368,000 | 158,289,000 | 159,875,000 | 171,435,000 |
| Allowance for loan losses | 2,190,000 | 2,311,000 | 2,344,000 | 2,336,000 |
| Securities available for sale | 37,001,000 | 37,105,000 | 39,570,000 | 42,293,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 166,550,000 | 173,068,000 | 172,472,000 | 187,279,000 |
| Interest-bearing deposits | 146,396,000 | 148,722,000 | 150,189,000 | 158,897,000 |
| Noninterest-bearing deposits | 20,154,000 | 24,346,000 | 22,283,000 | 28,382,000 |
| Equity capital | 21,071,000 | 21,196,000 | 22,460,000 | 22,302,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 4,157,000 | 8,347,000 | 12,470,000 | 16,493,000 |
| Interest expense | 2,155,000 | 4,290,000 | 6,323,000 | 8,167,000 |
| Net interest income | 2,002,000 | 4,057,000 | 6,147,000 | 8,326,000 |
| Noninterest income | 453,000 | 960,000 | 1,432,000 | 1,958,000 |
| Noninterest expense | 1,127,000 | 2,333,000 | 3,353,000 | 4,811,000 |
| Provision for loan losses | 100,000 | 200,000 | 225,000 | 345,000 |
| Pretax income | 1,228,000 | 2,484,000 | 4,001,000 | 5,128,000 |
| Income tax | 0 | 870,000 | 1,280,000 | 1,770,000 |
| Net income | 1,228,000 | 1,614,000 | 2,721,000 | 3,358,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,703,000 | 20,789,000 | 21,696,000 | 21,733,000 |
| Total capital | 22,557,000 | 22,763,000 | 23,693,000 | 23,900,000 |
| Risk-weighted assets | 147,954,000 | 157,564,000 | 159,402,000 | 173,205,000 |