Call reports 2012
BENNINGTON STATE BANK, THE — 2012
What BENNINGTON STATE BANK, THE reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 445,315,000 | 444,568,000 | 439,919,000 | 465,391,000 |
| Total loans | 283,946,000 | 291,548,000 | 290,224,000 | 305,379,000 |
| Allowance for loan losses | 4,824,000 | 5,073,000 | 5,128,000 | 5,242,000 |
| Securities available for sale | 124,446,000 | 118,684,000 | 112,859,000 | 107,281,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 370,144,000 | 358,590,000 | 367,096,000 | 393,185,000 |
| Interest-bearing deposits | 312,803,000 | 306,044,000 | 315,697,000 | 326,420,000 |
| Noninterest-bearing deposits | 57,341,000 | 52,546,000 | 51,399,000 | 66,765,000 |
| Equity capital | 48,225,000 | 49,678,000 | 51,459,000 | 51,238,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 4,879,000 | 9,774,000 | 14,531,000 | 19,278,000 |
| Interest expense | 1,114,000 | 2,181,000 | 3,180,000 | 4,140,000 |
| Net interest income | 3,765,000 | 7,593,000 | 11,351,000 | 15,138,000 |
| Noninterest income | 941,000 | 2,006,000 | 3,061,000 | 4,060,000 |
| Noninterest expense | 2,060,000 | 4,551,000 | 6,858,000 | 10,080,000 |
| Provision for loan losses | 450,000 | 725,000 | 925,000 | 1,344,000 |
| Pretax income | 2,199,000 | 4,366,000 | 6,672,000 | 7,817,000 |
| Income tax | 0 | 318,000 | 399,000 | 479,000 |
| Net income | 2,199,000 | 4,048,000 | 6,273,000 | 7,338,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 45,606,000 | 46,653,000 | 47,979,000 | 48,144,000 |
| Total capital | 49,394,000 | 50,473,000 | 51,826,000 | 52,191,000 |
| Risk-weighted assets | 302,010,000 | 304,362,000 | 306,498,000 | 322,525,000 |