Call reports 2016
BENNINGTON STATE BANK, THE — 2016
What BENNINGTON STATE BANK, THE reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 692,811,000 | 706,973,000 | 717,485,000 | 729,722,000 |
| Total loans | 465,479,000 | 473,697,000 | 469,858,000 | 476,079,000 |
| Allowance for loan losses | 8,513,000 | 9,753,000 | 9,099,000 | 10,182,000 |
| Securities available for sale | 184,170,000 | 184,571,000 | 199,622,000 | 208,432,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 547,030,000 | 557,312,000 | 570,006,000 | 589,374,000 |
| Interest-bearing deposits | 475,373,000 | 481,399,000 | 494,049,000 | 507,438,000 |
| Noninterest-bearing deposits | 71,657,000 | 75,913,000 | 75,957,000 | 81,936,000 |
| Equity capital | 65,000,000 | 67,581,000 | 68,626,000 | 64,761,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 6,212,000 | 12,433,000 | 18,783,000 | 25,056,000 |
| Interest expense | 996,000 | 2,001,000 | 3,098,000 | 4,143,000 |
| Net interest income | 5,216,000 | 10,432,000 | 15,685,000 | 20,913,000 |
| Noninterest income | 1,052,000 | 2,198,000 | 3,414,000 | 4,739,000 |
| Noninterest expense | 2,607,000 | 5,406,000 | 7,924,000 | 11,176,000 |
| Provision for loan losses | 750,000 | 1,450,000 | 2,250,000 | 3,600,000 |
| Pretax income | 2,911,000 | 5,798,000 | 9,012,000 | 10,970,000 |
| Income tax | 27,000 | 245,000 | 362,000 | 472,000 |
| Net income | 2,884,000 | 5,553,000 | 8,650,000 | 10,498,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 62,944,000 | 64,213,000 | 65,911,000 | 66,558,000 |
| Total capital | 69,385,000 | 70,736,000 | 72,403,000 | 73,021,000 |
| Risk-weighted assets | 513,091,000 | 518,516,000 | 516,675,000 | 513,192,000 |