Call reports 2018
BENNINGTON STATE BANK, THE — 2018
What BENNINGTON STATE BANK, THE reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 689,946,000 | 685,978,000 | 682,447,000 | 699,960,000 |
| Total loans | 507,815,000 | 510,145,000 | 493,650,000 | 489,906,000 |
| Allowance for loan losses | 14,437,000 | 15,067,000 | 15,136,000 | 14,851,000 |
| Securities available for sale | 162,212,000 | 154,160,000 | 153,933,000 | 163,849,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 562,997,000 | 562,141,000 | 552,375,000 | 557,626,000 |
| Interest-bearing deposits | 485,313,000 | 482,068,000 | 475,624,000 | 468,939,000 |
| Noninterest-bearing deposits | 77,684,000 | 80,073,000 | 76,751,000 | 88,687,000 |
| Equity capital | 70,462,000 | 72,561,000 | 74,616,000 | 76,592,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 6,845,000 | 13,794,000 | 21,048,000 | 28,362,000 |
| Interest expense | 1,129,000 | 2,398,000 | 3,809,000 | 5,434,000 |
| Net interest income | 5,716,000 | 11,396,000 | 17,239,000 | 22,928,000 |
| Noninterest income | 1,119,000 | 2,551,000 | 3,820,000 | 5,010,000 |
| Noninterest expense | 2,984,000 | 5,973,000 | 8,543,000 | 12,571,000 |
| Provision for loan losses | 1,500,000 | 2,000,000 | 2,500,000 | 3,000,000 |
| Pretax income | 2,351,000 | 5,974,000 | 10,016,000 | 12,367,000 |
| Income tax | 104,000 | 245,000 | 386,000 | 566,000 |
| Net income | 2,247,000 | 5,729,000 | 9,630,000 | 11,801,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 72,986,000 | 75,069,000 | 77,570,000 | 78,141,000 |
| Total capital | 79,698,000 | 81,777,000 | 84,115,000 | 84,622,000 |
| Risk-weighted assets | 529,091,000 | 528,303,000 | 515,048,000 | 510,131,000 |