Call reports 2004
BENNINGTON STATE BANK, THE — 2004
What BENNINGTON STATE BANK, THE reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 255,306,000 | 258,450,000 | 261,677,000 | 272,231,000 |
| Total loans | 180,664,000 | 183,500,000 | 182,291,000 | 190,023,000 |
| Allowance for loan losses | 2,931,000 | 2,957,000 | 2,975,000 | 2,921,000 |
| Securities available for sale | 61,263,000 | 56,176,000 | 57,936,000 | 65,106,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 196,861,000 | 201,226,000 | 202,891,000 | 214,752,000 |
| Interest-bearing deposits | 171,878,000 | 173,080,000 | 173,590,000 | 185,001,000 |
| Noninterest-bearing deposits | 24,983,000 | 28,146,000 | 29,301,000 | 29,751,000 |
| Equity capital | 28,890,000 | 27,583,000 | 29,528,000 | 28,699,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 3,475,000 | 6,859,000 | 10,306,000 | 13,910,000 |
| Interest expense | 1,253,000 | 2,496,000 | 3,789,000 | 5,128,000 |
| Net interest income | 2,222,000 | 4,363,000 | 6,517,000 | 8,782,000 |
| Noninterest income | 546,000 | 1,174,000 | 1,817,000 | 2,448,000 |
| Noninterest expense | 1,337,000 | 2,741,000 | 4,121,000 | 6,036,000 |
| Provision for loan losses | 55,000 | 112,000 | 125,000 | 137,000 |
| Pretax income | 1,376,000 | 2,684,000 | 4,087,000 | 5,058,000 |
| Income tax | 0 | 48,000 | 78,000 | 109,000 |
| Net income | 1,376,000 | 2,636,000 | 4,009,000 | 4,949,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,407,000 | 27,667,000 | 29,040,000 | 28,480,000 |
| Total capital | 29,669,000 | 29,983,000 | 31,374,000 | 30,912,000 |
| Risk-weighted assets | 180,266,000 | 184,641,000 | 186,112,000 | 194,091,000 |