Call reports 2015
BENNINGTON STATE BANK, THE — 2015
What BENNINGTON STATE BANK, THE reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 589,763,000 | 621,213,000 | 660,219,000 | 701,314,000 |
| Total loans | 411,426,000 | 437,370,000 | 438,404,000 | 462,644,000 |
| Allowance for loan losses | 7,869,000 | 8,160,000 | 8,801,000 | 9,131,000 |
| Securities available for sale | 140,695,000 | 147,517,000 | 183,888,000 | 183,500,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 459,081,000 | 470,896,000 | 503,233,000 | 546,950,000 |
| Interest-bearing deposits | 393,801,000 | 407,433,000 | 439,341,000 | 473,410,000 |
| Noninterest-bearing deposits | 65,280,000 | 63,463,000 | 63,892,000 | 73,540,000 |
| Equity capital | 59,445,000 | 59,751,000 | 62,085,000 | 62,336,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 5,192,000 | 10,716,000 | 16,471,000 | 23,422,000 |
| Interest expense | 821,000 | 1,669,000 | 2,583,000 | 3,512,000 |
| Net interest income | 4,371,000 | 9,047,000 | 13,888,000 | 19,910,000 |
| Noninterest income | 953,000 | 2,220,000 | 3,506,000 | 4,609,000 |
| Noninterest expense | 2,440,000 | 5,333,000 | 7,846,000 | 11,248,000 |
| Provision for loan losses | 225,000 | 700,000 | 1,350,000 | 2,400,000 |
| Pretax income | 2,659,000 | 5,234,000 | 8,198,000 | 10,871,000 |
| Income tax | 0 | 319,000 | 430,000 | 541,000 |
| Net income | 2,659,000 | 4,915,000 | 7,768,000 | 10,330,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 57,716,000 | 58,672,000 | 60,225,000 | 61,561,000 |
| Total capital | 63,434,000 | 64,481,000 | 66,124,000 | 68,020,000 |
| Risk-weighted assets | 455,177,000 | 462,298,000 | 468,925,000 | 513,930,000 |