Call reports 2009
BENNINGTON STATE BANK, THE — 2009
What BENNINGTON STATE BANK, THE reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 319,440,000 | 319,915,000 | 329,190,000 | 336,489,000 |
| Total loans | 214,128,000 | 223,399,000 | 216,872,000 | 219,031,000 |
| Allowance for loan losses | 2,679,000 | 2,876,000 | 3,140,000 | 2,933,000 |
| Securities available for sale | 62,075,000 | 58,356,000 | 58,095,000 | 69,135,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 253,704,000 | 254,133,000 | 262,550,000 | 269,990,000 |
| Interest-bearing deposits | 223,468,000 | 226,441,000 | 233,986,000 | 237,230,000 |
| Noninterest-bearing deposits | 30,236,000 | 27,692,000 | 28,564,000 | 32,760,000 |
| Equity capital | 37,500,000 | 37,420,000 | 38,257,000 | 38,465,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 4,278,000 | 8,535,000 | 12,735,000 | 16,851,000 |
| Interest expense | 1,534,000 | 3,058,000 | 4,565,000 | 6,056,000 |
| Net interest income | 2,744,000 | 5,477,000 | 8,170,000 | 10,795,000 |
| Noninterest income | 716,000 | 1,419,000 | 2,076,000 | 2,820,000 |
| Noninterest expense | 1,685,000 | 3,317,000 | 5,059,000 | 7,246,000 |
| Provision for loan losses | 150,000 | 400,000 | 600,000 | 780,000 |
| Pretax income | 1,625,000 | 3,179,000 | 4,587,000 | 5,579,000 |
| Income tax | 51,000 | 193,000 | 247,000 | 277,000 |
| Net income | 1,574,000 | 2,986,000 | 4,340,000 | 5,302,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,371,000 | 35,483,000 | 36,137,000 | 36,599,000 |
| Total capital | 38,050,000 | 38,292,000 | 38,896,000 | 39,446,000 |
| Risk-weighted assets | 217,507,000 | 224,635,000 | 220,329,000 | 227,679,000 |