Call reports 2008
BENNINGTON STATE BANK, THE — 2008
What BENNINGTON STATE BANK, THE reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 320,012,000 | 321,149,000 | 305,841,000 | 317,499,000 |
| Total loans | 211,775,000 | 218,974,000 | 201,132,000 | 208,583,000 |
| Allowance for loan losses | 2,575,000 | 2,421,000 | 2,325,000 | 2,499,000 |
| Securities available for sale | 88,564,000 | 79,999,000 | 79,412,000 | 75,353,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 248,423,000 | 238,196,000 | 240,456,000 | 250,826,000 |
| Interest-bearing deposits | 217,254,000 | 205,033,000 | 208,778,000 | 220,740,000 |
| Noninterest-bearing deposits | 31,169,000 | 33,163,000 | 31,678,000 | 30,086,000 |
| Equity capital | 36,203,000 | 34,031,000 | 35,333,000 | 36,890,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 5,228,000 | 10,162,000 | 14,811,000 | 19,277,000 |
| Interest expense | 2,339,000 | 4,404,000 | 6,285,000 | 7,970,000 |
| Net interest income | 2,889,000 | 5,758,000 | 8,526,000 | 11,307,000 |
| Noninterest income | 690,000 | 1,435,000 | 2,078,000 | 2,776,000 |
| Noninterest expense | 1,598,000 | 3,285,000 | 4,747,000 | 7,025,000 |
| Provision for loan losses | 50,000 | 225,000 | 230,000 | 585,000 |
| Pretax income | 1,931,000 | 3,689,000 | 5,633,000 | 6,479,000 |
| Income tax | 0 | 134,000 | 197,000 | 244,000 |
| Net income | 1,931,000 | 3,555,000 | 5,436,000 | 6,235,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,792,000 | 33,417,000 | 34,297,000 | 34,297,000 |
| Total capital | 36,367,000 | 35,838,000 | 36,622,000 | 36,796,000 |
| Risk-weighted assets | 218,534,000 | 226,261,000 | 212,717,000 | 217,743,000 |