Call reports 2007
VERMONT STATE BANK — 2007
What VERMONT STATE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 10,784,000 | 11,340,000 | 12,273,000 | 12,277,000 |
| Total loans | 7,855,000 | 8,039,000 | 8,568,000 | 8,777,000 |
| Allowance for loan losses | 84,000 | 65,000 | 65,000 | 88,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 1,707,000 | 1,708,000 | 1,691,000 | 1,988,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 9,598,000 | 10,072,000 | 10,895,000 | 10,956,000 |
| Interest-bearing deposits | 7,990,000 | 8,589,000 | 9,287,000 | 9,456,000 |
| Noninterest-bearing deposits | 1,608,000 | 1,483,000 | 1,608,000 | 1,500,000 |
| Equity capital | 1,113,000 | 1,185,000 | 1,280,000 | 1,229,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 217,000 | 435,000 | 677,000 | 918,000 |
| Interest expense | 78,000 | 164,000 | 261,000 | 364,000 |
| Net interest income | 139,000 | 271,000 | 416,000 | 554,000 |
| Noninterest income | 20,000 | 41,000 | 61,000 | 73,000 |
| Noninterest expense | 54,000 | 135,000 | 205,000 | 330,000 |
| Provision for loan losses | 0 | 0 | 0 | 76,000 |
| Pretax income | 105,000 | 177,000 | 272,000 | 221,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 105,000 | 177,000 | 272,000 | 221,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,113,000 | 1,185,000 | 1,280,000 | 1,229,000 |
| Total capital | 1,197,000 | 1,250,000 | 1,345,000 | 1,317,000 |
| Risk-weighted assets | 6,824,000 | 7,035,000 | 7,558,000 | 7,637,000 |
Machine access — free, no API key
Every figure shown here about VERMONT STATE BANK — 2007 can also be queried live: FACTANKER runs an MCP server at https://factanker.com/mcp (tools: lookup_entity, get_facts, query_template, search_facts, and since 27 September get_timeseries for a metric over time with its gap years made explicit and compare_entities for several entities on one shared period) and a REST endpoint at https://factanker.com/api/get_facts. Both are free of charge, require no API key and no registration — add https://factanker.com/mcp as a connector in Claude, ChatGPT or Copilot. Every answer carries its source document and a citation reference. Setup: /quickstart.