Call reports 2005
BENNINGTON STATE BANK, THE — 2005
What BENNINGTON STATE BANK, THE reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 274,079,000 | 277,030,000 | 275,634,000 | 284,161,000 |
| Total loans | 196,151,000 | 199,205,000 | 197,928,000 | 208,004,000 |
| Allowance for loan losses | 2,590,000 | 2,582,000 | 2,671,000 | 2,560,000 |
| Securities available for sale | 63,124,000 | 60,952,000 | 58,759,000 | 57,795,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 205,151,000 | 212,145,000 | 212,338,000 | 221,209,000 |
| Interest-bearing deposits | 176,848,000 | 179,089,000 | 179,532,000 | 190,900,000 |
| Noninterest-bearing deposits | 28,303,000 | 33,056,000 | 32,806,000 | 30,309,000 |
| Equity capital | 28,982,000 | 28,833,000 | 29,271,000 | 29,431,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 3,603,000 | 7,394,000 | 11,421,000 | 15,470,000 |
| Interest expense | 1,384,000 | 2,876,000 | 4,492,000 | 6,135,000 |
| Net interest income | 2,219,000 | 4,518,000 | 6,929,000 | 9,335,000 |
| Noninterest income | 636,000 | 1,267,000 | 1,928,000 | 2,651,000 |
| Noninterest expense | 1,499,000 | 3,024,000 | 4,470,000 | 6,393,000 |
| Provision for loan losses | 50,000 | 50,000 | 165,000 | 170,000 |
| Pretax income | 1,306,000 | 2,714,000 | 4,225,000 | 5,426,000 |
| Income tax | 0 | 34,000 | 60,000 | 86,000 |
| Net income | 1,306,000 | 2,680,000 | 4,165,000 | 5,340,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,786,000 | 29,160,000 | 29,895,000 | 30,320,000 |
| Total capital | 32,287,000 | 31,689,000 | 32,423,000 | 32,880,000 |
| Risk-weighted assets | 199,963,000 | 202,237,000 | 202,133,000 | 208,179,000 |