Call reports 2022
BENNINGTON STATE BANK, THE — 2022
What BENNINGTON STATE BANK, THE reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 956,709,000 | 979,309,000 | 972,403,000 | 967,774,000 |
| Total loans | 609,972,000 | 652,865,000 | 659,994,000 | 665,315,000 |
| Allowance for loan losses | 16,038,000 | 16,593,000 | 17,146,000 | 17,385,000 |
| Securities available for sale | 299,907,000 | 288,826,000 | 273,498,000 | 244,403,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 780,712,000 | 781,702,000 | 820,489,000 | 824,492,000 |
| Interest-bearing deposits | 618,262,000 | 614,791,000 | 657,903,000 | 659,226,000 |
| Noninterest-bearing deposits | 162,450,000 | 166,911,000 | 162,586,000 | 165,266,000 |
| Equity capital | 88,455,000 | 77,424,000 | 78,340,000 | 82,725,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 8,281,000 | 17,305,000 | 27,067,000 | 37,268,000 |
| Interest expense | 833,000 | 1,692,000 | 3,524,000 | 6,156,000 |
| Net interest income | 7,448,000 | 15,613,000 | 23,543,000 | 31,112,000 |
| Noninterest income | 1,381,000 | 2,860,000 | 6,695,000 | 8,295,000 |
| Noninterest expense | 3,835,000 | 7,605,000 | 11,391,000 | 15,501,000 |
| Provision for loan losses | 450,000 | 900,000 | 1,350,000 | 1,500,000 |
| Pretax income | 4,544,000 | 9,970,000 | 17,504,000 | 20,472,000 |
| Income tax | 202,000 | 404,000 | 607,000 | 823,000 |
| Net income | 4,342,000 | 9,566,000 | 16,897,000 | 19,649,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 100,533,000 | 103,457,000 | 108,488,000 | 106,639,000 |
| Total capital | 109,097,000 | 112,553,000 | 117,628,000 | 115,663,000 |
| Risk-weighted assets | 677,667,000 | 720,162,000 | 723,162,000 | 713,545,000 |