Call reports 2013
BENNINGTON STATE BANK, THE — 2013
What BENNINGTON STATE BANK, THE reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 463,565,000 | 459,467,000 | 465,127,000 | 483,124,000 |
| Total loans | 311,791,000 | 316,512,000 | 321,129,000 | 340,485,000 |
| Allowance for loan losses | 5,670,000 | 5,830,000 | 6,128,000 | 6,489,000 |
| Securities available for sale | 103,400,000 | 108,382,000 | 106,911,000 | 110,563,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 389,902,000 | 385,608,000 | 394,066,000 | 413,502,000 |
| Interest-bearing deposits | 340,865,000 | 334,238,000 | 337,199,000 | 350,034,000 |
| Noninterest-bearing deposits | 49,037,000 | 51,370,000 | 56,867,000 | 63,468,000 |
| Equity capital | 53,004,000 | 50,875,000 | 52,673,000 | 52,471,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 4,610,000 | 9,384,000 | 14,060,000 | 18,950,000 |
| Interest expense | 918,000 | 1,820,000 | 2,669,000 | 3,520,000 |
| Net interest income | 3,692,000 | 7,564,000 | 11,391,000 | 15,430,000 |
| Noninterest income | 915,000 | 2,209,000 | 3,289,000 | 4,443,000 |
| Noninterest expense | 2,174,000 | 4,694,000 | 6,976,000 | 10,197,000 |
| Provision for loan losses | 450,000 | 855,000 | 1,155,000 | 1,574,000 |
| Pretax income | 1,983,000 | 4,224,000 | 6,549,000 | 8,102,000 |
| Income tax | 0 | 122,000 | 216,000 | 476,000 |
| Net income | 1,983,000 | 4,102,000 | 6,333,000 | 7,626,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 50,127,000 | 50,246,000 | 51,477,000 | 51,770,000 |
| Total capital | 54,283,000 | 54,481,000 | 55,770,000 | 56,354,000 |
| Risk-weighted assets | 330,988,000 | 337,242,000 | 341,624,000 | 364,808,000 |