Call reports 2009
VERMONT STATE BANK — 2009
What VERMONT STATE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 14,414,000 | 14,835,000 | 14,672,000 | 15,133,000 |
| Total loans | 10,363,000 | 10,840,000 | 11,017,000 | 10,997,000 |
| Allowance for loan losses | 187,000 | 194,000 | 235,000 | 240,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 1,700,000 | 1,949,000 | 2,101,000 | 2,337,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 13,097,000 | 13,426,000 | 13,323,000 | 13,799,000 |
| Interest-bearing deposits | 11,512,000 | 11,781,000 | 11,726,000 | 12,159,000 |
| Noninterest-bearing deposits | 1,586,000 | 1,646,000 | 1,597,000 | 1,640,000 |
| Equity capital | 1,225,000 | 1,331,000 | 1,274,000 | 1,270,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 256,000 | 513,000 | 769,000 | 1,035,000 |
| Interest expense | 101,000 | 197,000 | 284,000 | 363,000 |
| Net interest income | 155,000 | 316,000 | 485,000 | 672,000 |
| Noninterest income | 12,000 | 32,000 | 52,000 | 71,000 |
| Noninterest expense | 73,000 | 144,000 | 248,000 | 422,000 |
| Provision for loan losses | 0 | 0 | 148,000 | 182,000 |
| Pretax income | 94,000 | 204,000 | 141,000 | 139,000 |
| Income tax | 3,000 | 7,000 | 0 | 2,000 |
| Net income | 91,000 | 197,000 | 141,000 | 137,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,225,000 | 1,331,000 | 1,274,000 | 1,270,000 |
| Total capital | 1,340,000 | 1,450,000 | 1,392,000 | 1,393,000 |
| Risk-weighted assets | 9,126,000 | 9,412,000 | 9,282,000 | 9,733,000 |
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