Call reports 2011
BENNINGTON STATE BANK, THE — 2011
What BENNINGTON STATE BANK, THE reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 406,990,000 | 411,072,000 | 411,280,000 | 444,250,000 |
| Total loans | 263,481,000 | 269,769,000 | 273,394,000 | 287,752,000 |
| Allowance for loan losses | 3,385,000 | 3,832,000 | 3,932,000 | 4,367,000 |
| Securities available for sale | 99,983,000 | 102,115,000 | 98,044,000 | 100,629,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 338,977,000 | 327,076,000 | 337,306,000 | 371,110,000 |
| Interest-bearing deposits | 298,379,000 | 288,086,000 | 293,275,000 | 316,158,000 |
| Noninterest-bearing deposits | 40,598,000 | 38,990,000 | 44,031,000 | 54,952,000 |
| Equity capital | 42,730,000 | 45,332,000 | 47,188,000 | 47,060,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 4,758,000 | 9,645,000 | 14,674,000 | 19,652,000 |
| Interest expense | 1,303,000 | 2,493,000 | 3,681,000 | 4,807,000 |
| Net interest income | 3,455,000 | 7,152,000 | 10,993,000 | 14,845,000 |
| Noninterest income | 760,000 | 1,582,000 | 2,266,000 | 2,826,000 |
| Noninterest expense | 2,081,000 | 4,171,000 | 6,293,000 | 9,168,000 |
| Provision for loan losses | 375,000 | 750,000 | 1,100,000 | 1,647,000 |
| Pretax income | 1,757,000 | 3,831,000 | 5,884,000 | 6,874,000 |
| Income tax | 128,000 | 213,000 | 255,000 | 297,000 |
| Net income | 1,629,000 | 3,618,000 | 5,629,000 | 6,577,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 41,957,000 | 42,847,000 | 44,057,000 | 44,206,000 |
| Total capital | 45,342,000 | 46,346,000 | 47,590,000 | 47,952,000 |
| Risk-weighted assets | 273,007,000 | 279,572,000 | 282,202,000 | 299,085,000 |