Call reports 2014
BENNINGTON STATE BANK, THE — 2014
What BENNINGTON STATE BANK, THE reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 496,223,000 | 506,157,000 | 514,319,000 | 562,548,000 |
| Total loans | 348,841,000 | 367,449,000 | 381,938,000 | 403,408,000 |
| Allowance for loan losses | 6,714,000 | 7,176,000 | 7,416,000 | 7,638,000 |
| Securities available for sale | 111,789,000 | 104,645,000 | 103,252,000 | 119,436,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 412,538,000 | 404,789,000 | 416,600,000 | 453,358,000 |
| Interest-bearing deposits | 351,509,000 | 341,105,000 | 354,960,000 | 383,913,000 |
| Noninterest-bearing deposits | 61,029,000 | 63,684,000 | 61,640,000 | 69,445,000 |
| Equity capital | 53,933,000 | 55,869,000 | 57,322,000 | 57,379,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 4,819,000 | 10,049,000 | 15,374,000 | 20,722,000 |
| Interest expense | 800,000 | 1,566,000 | 2,384,000 | 3,231,000 |
| Net interest income | 4,019,000 | 8,483,000 | 12,990,000 | 17,491,000 |
| Noninterest income | 942,000 | 2,348,000 | 3,665,000 | 4,737,000 |
| Noninterest expense | 2,385,000 | 4,967,000 | 7,372,000 | 10,905,000 |
| Provision for loan losses | 250,000 | 830,000 | 1,380,000 | 1,710,000 |
| Pretax income | 2,326,000 | 5,042,000 | 7,911,000 | 9,621,000 |
| Income tax | 0 | 59,000 | 140,000 | 234,000 |
| Net income | 2,326,000 | 4,983,000 | 7,771,000 | 9,387,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 52,996,000 | 54,454,000 | 56,042,000 | 56,357,000 |
| Total capital | 57,598,000 | 59,293,000 | 61,074,000 | 61,738,000 |
| Risk-weighted assets | 376,920,000 | 384,715,000 | 400,134,000 | 428,137,000 |