Call reports 2007
BENNINGTON STATE BANK, THE — 2007
What BENNINGTON STATE BANK, THE reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 294,341,000 | 297,032,000 | 308,628,000 | 320,745,000 |
| Total loans | 209,227,000 | 207,673,000 | 198,110,000 | 200,369,000 |
| Allowance for loan losses | 2,722,000 | 2,383,000 | 2,416,000 | 2,454,000 |
| Securities available for sale | 71,010,000 | 66,361,000 | 82,372,000 | 84,672,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 232,721,000 | 233,878,000 | 242,842,000 | 253,171,000 |
| Interest-bearing deposits | 204,440,000 | 206,159,000 | 213,322,000 | 220,396,000 |
| Noninterest-bearing deposits | 28,281,000 | 27,719,000 | 29,520,000 | 32,775,000 |
| Equity capital | 32,006,000 | 31,274,000 | 32,706,000 | 33,726,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 4,876,000 | 9,809,000 | 14,822,000 | 20,052,000 |
| Interest expense | 2,283,000 | 4,638,000 | 7,187,000 | 9,661,000 |
| Net interest income | 2,593,000 | 5,171,000 | 7,635,000 | 10,391,000 |
| Noninterest income | 647,000 | 1,454,000 | 2,168,000 | 2,979,000 |
| Noninterest expense | 1,577,000 | 3,198,000 | 4,537,000 | 6,720,000 |
| Provision for loan losses | 50,000 | 76,000 | 126,000 | 160,000 |
| Pretax income | 1,613,000 | 3,351,000 | 5,136,000 | 6,486,000 |
| Income tax | 33,000 | 156,000 | 217,000 | 279,000 |
| Net income | 1,580,000 | 3,195,000 | 4,919,000 | 6,207,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,235,000 | 31,850,000 | 32,574,000 | 32,862,000 |
| Total capital | 34,912,000 | 34,233,000 | 34,990,000 | 35,316,000 |
| Risk-weighted assets | 214,107,000 | 214,752,000 | 208,679,000 | 212,805,000 |