Call reports 2003
BENNINGTON STATE BANK, THE — 2003
What BENNINGTON STATE BANK, THE reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 245,431,000 | 247,626,000 | 254,705,000 | 260,839,000 |
| Total loans | 178,782,000 | 184,463,000 | 170,142,000 | 181,081,000 |
| Allowance for loan losses | 2,762,000 | 2,960,000 | 2,851,000 | 2,863,000 |
| Securities available for sale | 50,383,000 | 49,469,000 | 58,760,000 | 63,978,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 189,363,000 | 190,509,000 | 197,609,000 | 204,283,000 |
| Interest-bearing deposits | 166,351,000 | 166,777,000 | 169,294,000 | 172,184,000 |
| Noninterest-bearing deposits | 23,012,000 | 23,732,000 | 28,315,000 | 32,099,000 |
| Equity capital | 27,079,000 | 27,681,000 | 27,815,000 | 27,064,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 3,636,000 | 7,116,000 | 10,747,000 | 14,237,000 |
| Interest expense | 1,476,000 | 2,727,000 | 4,146,000 | 5,423,000 |
| Net interest income | 2,160,000 | 4,389,000 | 6,601,000 | 8,814,000 |
| Noninterest income | 475,000 | 1,069,000 | 1,602,000 | 2,210,000 |
| Noninterest expense | 1,215,000 | 2,515,000 | 3,709,000 | 5,360,000 |
| Provision for loan losses | 150,000 | 343,000 | 439,000 | 515,000 |
| Pretax income | 1,270,000 | 2,600,000 | 4,055,000 | 5,149,000 |
| Income tax | 2,000 | 116,000 | 175,000 | 234,000 |
| Net income | 1,268,000 | 2,484,000 | 3,880,000 | 4,915,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,584,000 | 25,850,000 | 26,496,000 | 26,031,000 |
| Total capital | 27,780,000 | 28,136,000 | 28,664,000 | 28,300,000 |
| Risk-weighted assets | 175,948,000 | 182,225,000 | 172,779,000 | 180,947,000 |