Call reports 2010
BENNINGTON STATE BANK, THE — 2010
What BENNINGTON STATE BANK, THE reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 356,821,000 | 375,164,000 | 394,059,000 | 402,609,000 |
| Total loans | 236,725,000 | 246,777,000 | 251,896,000 | 260,728,000 |
| Allowance for loan losses | 3,225,000 | 2,724,000 | 2,839,000 | 3,129,000 |
| Securities available for sale | 66,751,000 | 67,274,000 | 96,761,000 | 98,215,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 289,253,000 | 306,947,000 | 317,596,000 | 336,150,000 |
| Interest-bearing deposits | 258,802,000 | 273,718,000 | 279,583,000 | 291,793,000 |
| Noninterest-bearing deposits | 30,451,000 | 33,229,000 | 38,013,000 | 44,357,000 |
| Equity capital | 39,682,000 | 40,366,000 | 41,844,000 | 40,933,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 4,215,000 | 8,693,000 | 13,330,000 | 17,944,000 |
| Interest expense | 1,449,000 | 2,943,000 | 4,462,000 | 5,884,000 |
| Net interest income | 2,766,000 | 5,750,000 | 8,868,000 | 12,060,000 |
| Noninterest income | 673,000 | 1,345,000 | 2,437,000 | 3,464,000 |
| Noninterest expense | 1,724,000 | 3,405,000 | 5,626,000 | 8,304,000 |
| Provision for loan losses | 300,000 | 825,000 | 1,275,000 | 1,732,000 |
| Pretax income | 1,431,000 | 2,881,000 | 4,419,000 | 5,504,000 |
| Income tax | 39,000 | 59,000 | 38,000 | 74,000 |
| Net income | 1,392,000 | 2,822,000 | 4,381,000 | 5,430,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,991,000 | 38,721,000 | 39,881,000 | 40,329,000 |
| Total capital | 41,033,000 | 41,445,000 | 42,720,000 | 43,458,000 |
| Risk-weighted assets | 243,176,000 | 253,272,000 | 262,270,000 | 276,281,000 |