Call reports 2006
BENNINGTON STATE BANK, THE — 2006
What BENNINGTON STATE BANK, THE reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 280,797,000 | 277,427,000 | 275,296,000 | 294,696,000 |
| Total loans | 205,222,000 | 196,808,000 | 196,502,000 | 205,182,000 |
| Allowance for loan losses | 2,590,000 | 2,530,000 | 2,630,000 | 2,664,000 |
| Securities available for sale | 55,513,000 | 54,909,000 | 57,408,000 | 61,942,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 217,203,000 | 219,389,000 | 216,082,000 | 235,406,000 |
| Interest-bearing deposits | 186,931,000 | 187,517,000 | 187,771,000 | 202,003,000 |
| Noninterest-bearing deposits | 30,272,000 | 31,872,000 | 28,311,000 | 33,403,000 |
| Equity capital | 30,314,000 | 29,673,000 | 30,847,000 | 31,232,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 4,324,000 | 8,642,000 | 12,872,000 | 17,601,000 |
| Interest expense | 1,838,000 | 3,736,000 | 5,708,000 | 7,779,000 |
| Net interest income | 2,486,000 | 4,906,000 | 7,164,000 | 9,822,000 |
| Noninterest income | 615,000 | 1,351,000 | 2,038,000 | 2,767,000 |
| Noninterest expense | 1,541,000 | 3,030,000 | 4,405,000 | 6,464,000 |
| Provision for loan losses | 5,000 | 33,000 | 65,000 | 93,000 |
| Pretax income | 1,555,000 | 3,194,000 | 4,732,000 | 6,032,000 |
| Income tax | 99,000 | 199,000 | 248,000 | 298,000 |
| Net income | 1,456,000 | 2,995,000 | 4,484,000 | 5,734,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,276,000 | 30,815,000 | 31,404,000 | 31,655,000 |
| Total capital | 33,835,000 | 33,293,000 | 33,881,000 | 34,274,000 |
| Risk-weighted assets | 204,724,000 | 198,218,000 | 198,018,000 | 209,467,000 |