Call reports 2008
VERMONT STATE BANK — 2008
What VERMONT STATE BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 12,946,000 | 13,185,000 | 13,275,000 | 13,936,000 |
| Total loans | 9,211,000 | 9,556,000 | 10,192,000 | 10,386,000 |
| Allowance for loan losses | 82,000 | 84,000 | 88,000 | 179,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 2,405,000 | 2,403,000 | 2,201,000 | 1,901,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 11,616,000 | 11,770,000 | 11,843,000 | 12,677,000 |
| Interest-bearing deposits | 10,164,000 | 10,175,000 | 10,313,000 | 10,983,000 |
| Noninterest-bearing deposits | 1,452,000 | 1,595,000 | 1,530,000 | 1,694,000 |
| Equity capital | 1,233,000 | 1,325,000 | 1,342,000 | 1,174,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 249,000 | 500,000 | 755,000 | 1,011,000 |
| Interest expense | 105,000 | 208,000 | 308,000 | 408,000 |
| Net interest income | 144,000 | 292,000 | 447,000 | 603,000 |
| Noninterest income | 15,000 | 31,000 | 48,000 | 59,000 |
| Noninterest expense | 57,000 | 129,000 | 216,000 | 372,000 |
| Provision for loan losses | 0 | 0 | 67,000 | 245,000 |
| Pretax income | 102,000 | 194,000 | 212,000 | 45,000 |
| Income tax | 0 | 0 | 0 | 2,000 |
| Net income | 102,000 | 194,000 | 212,000 | 43,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,233,000 | 1,325,000 | 1,342,000 | 1,174,000 |
| Total capital | 1,315,000 | 1,409,000 | 1,430,000 | 1,287,000 |
| Risk-weighted assets | 8,091,000 | 8,411,000 | 8,689,000 | 8,946,000 |
Machine access — free, no API key
Every figure shown here about VERMONT STATE BANK — 2008 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 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.