Call reports 2020
BENNINGTON STATE BANK, THE — 2020
What BENNINGTON STATE BANK, THE reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 732,399,000 | 837,816,000 | 822,271,000 | 871,894,000 |
| Total loans | 483,784,000 | 550,229,000 | 541,203,000 | 535,788,000 |
| Allowance for loan losses | 15,307,000 | 15,322,000 | 13,619,000 | 13,027,000 |
| Securities available for sale | 196,765,000 | 208,634,000 | 230,862,000 | 254,142,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 584,551,000 | 661,656,000 | 639,939,000 | 692,201,000 |
| Interest-bearing deposits | 495,321,000 | 544,495,000 | 515,602,000 | 556,349,000 |
| Noninterest-bearing deposits | 89,230,000 | 117,161,000 | 124,337,000 | 135,852,000 |
| Equity capital | 86,531,000 | 95,061,000 | 96,050,000 | 97,847,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 7,731,000 | 15,290,000 | 22,187,000 | 30,020,000 |
| Interest expense | 1,771,000 | 3,097,000 | 4,353,000 | 5,553,000 |
| Net interest income | 5,960,000 | 12,193,000 | 17,834,000 | 24,467,000 |
| Noninterest income | 1,196,000 | 2,664,000 | 3,664,000 | 4,800,000 |
| Noninterest expense | 2,999,000 | 6,160,000 | 9,344,000 | 12,982,000 |
| Provision for loan losses | 300,000 | 750,000 | 1,500,000 | 1,700,000 |
| Pretax income | 3,857,000 | 7,947,000 | 10,754,000 | 14,687,000 |
| Income tax | 133,000 | 290,000 | 447,000 | 603,000 |
| Net income | 3,724,000 | 7,657,000 | 10,307,000 | 14,084,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 86,464,000 | 88,299,000 | 89,049,000 | 90,825,000 |
| Total capital | 92,963,000 | 95,085,000 | 95,884,000 | 97,851,000 |
| Risk-weighted assets | 511,091,000 | 534,416,000 | 540,080,000 | 556,126,000 |