Call reports 2019
BENNINGTON STATE BANK, THE — 2019
What BENNINGTON STATE BANK, THE reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 696,063,000 | 709,489,000 | 705,983,000 | 728,981,000 |
| Total loans | 482,120,000 | 484,634,000 | 469,684,000 | 487,847,000 |
| Allowance for loan losses | 15,553,000 | 15,416,000 | 15,906,000 | 15,103,000 |
| Securities available for sale | 172,277,000 | 167,096,000 | 173,171,000 | 196,552,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 558,784,000 | 568,089,000 | 565,953,000 | 576,267,000 |
| Interest-bearing deposits | 478,086,000 | 484,235,000 | 471,726,000 | 483,009,000 |
| Noninterest-bearing deposits | 80,698,000 | 83,854,000 | 94,227,000 | 93,258,000 |
| Equity capital | 79,694,000 | 83,279,000 | 85,903,000 | 86,974,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 7,475,000 | 15,196,000 | 22,993,000 | 31,079,000 |
| Interest expense | 1,848,000 | 3,796,000 | 5,702,000 | 7,498,000 |
| Net interest income | 5,627,000 | 11,400,000 | 17,291,000 | 23,581,000 |
| Noninterest income | 1,062,000 | 2,326,000 | 3,631,000 | 4,837,000 |
| Noninterest expense | 3,095,000 | 6,157,000 | 8,856,000 | 12,295,000 |
| Provision for loan losses | 750,000 | 1,150,000 | 1,450,000 | 1,950,000 |
| Pretax income | 2,844,000 | 6,373,000 | 10,570,000 | 14,127,000 |
| Income tax | 99,000 | 243,000 | 387,000 | 587,000 |
| Net income | 2,745,000 | 6,130,000 | 10,183,000 | 13,540,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 79,386,000 | 81,231,000 | 83,284,000 | 84,841,000 |
| Total capital | 85,698,000 | 87,605,000 | 89,525,000 | 91,348,000 |
| Risk-weighted assets | 495,726,000 | 500,907,000 | 489,628,000 | 512,025,000 |