Call reports 2023
BENNINGTON STATE BANK, THE — 2023
What BENNINGTON STATE BANK, THE reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 1,000,309,000 | 987,146,000 | 993,498,000 | 989,889,000 |
| Total loans | 667,093,000 | 676,314,000 | 666,486,000 | 673,103,000 |
| Allowance for loan losses | 15,448,000 | 15,479,000 | 15,569,000 | 16,261,000 |
| Securities available for sale | 252,671,000 | 243,260,000 | 232,440,000 | 240,273,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 843,275,000 | 840,044,000 | 841,547,000 | 841,309,000 |
| Interest-bearing deposits | 684,259,000 | 681,573,000 | 686,009,000 | 690,897,000 |
| Noninterest-bearing deposits | 159,016,000 | 158,471,000 | 155,538,000 | 150,412,000 |
| Equity capital | 86,390,000 | 87,864,000 | 85,679,000 | 92,705,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 10,329,000 | 21,889,000 | 33,754,000 | 45,890,000 |
| Interest expense | 3,135,000 | 7,228,000 | 11,839,000 | 16,595,000 |
| Net interest income | 7,194,000 | 14,661,000 | 21,915,000 | 29,295,000 |
| Noninterest income | 1,720,000 | 3,523,000 | 5,275,000 | 7,002,000 |
| Noninterest expense | 4,255,000 | 8,044,000 | 12,019,000 | 16,248,000 |
| Provision for loan losses | 0 | 0 | 0 | 600,000 |
| Pretax income | 4,660,000 | 10,143,000 | 15,176,000 | 19,455,000 |
| Income tax | 177,000 | 378,000 | 578,000 | 753,000 |
| Net income | 4,483,000 | 9,765,000 | 14,598,000 | 18,702,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 108,822,000 | 111,804,000 | 113,037,000 | 111,842,000 |
| Total capital | 117,830,000 | 120,938,000 | 122,074,000 | 120,862,000 |
| Risk-weighted assets | 712,191,000 | 722,381,000 | 714,444,000 | 712,375,000 |