Call reports 2002
BENNINGTON STATE BANK, THE — 2002
What BENNINGTON STATE BANK, THE reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 227,199,000 | 233,248,000 | 242,299,000 | 249,115,000 |
| Total loans | 170,042,000 | 174,216,000 | 174,079,000 | 178,892,000 |
| Allowance for loan losses | 2,502,000 | 2,589,000 | 2,564,000 | 2,618,000 |
| Securities available for sale | 40,622,000 | 40,688,000 | 46,399,000 | 52,461,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 177,449,000 | 180,880,000 | 185,948,000 | 194,811,000 |
| Interest-bearing deposits | 155,451,000 | 156,392,000 | 160,857,000 | 168,720,000 |
| Noninterest-bearing deposits | 21,998,000 | 24,488,000 | 25,091,000 | 26,091,000 |
| Equity capital | 23,835,000 | 24,578,000 | 26,412,000 | 25,821,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 3,860,000 | 7,647,000 | 11,520,000 | 15,346,000 |
| Interest expense | 1,659,000 | 3,283,000 | 4,948,000 | 6,544,000 |
| Net interest income | 2,201,000 | 4,364,000 | 6,572,000 | 8,802,000 |
| Noninterest income | 439,000 | 889,000 | 1,363,000 | 1,914,000 |
| Noninterest expense | 1,127,000 | 2,344,000 | 3,501,000 | 5,022,000 |
| Provision for loan losses | 150,000 | 225,000 | 275,000 | 365,000 |
| Pretax income | 1,363,000 | 2,684,000 | 4,159,000 | 5,329,000 |
| Income tax | 20,000 | 225,000 | 282,000 | 346,000 |
| Net income | 1,343,000 | 2,459,000 | 3,877,000 | 4,983,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,076,000 | 23,392,000 | 24,810,000 | 24,316,000 |
| Total capital | 25,191,000 | 25,559,000 | 26,984,000 | 26,569,000 |
| Risk-weighted assets | 168,787,000 | 172,899,000 | 174,081,000 | 179,866,000 |