Call reports 2011
VERMONT STATE BANK — 2011
What VERMONT STATE BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 14,660,000 | 14,610,000 | 14,444,000 | 14,481,000 |
| Total loans | 10,962,000 | 10,743,000 | 10,737,000 | 10,576,000 |
| Allowance for loan losses | 313,000 | 283,000 | 195,000 | 249,000 |
| Securities available for sale | 2,398,000 | 2,045,000 | 1,937,000 | 2,442,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 13,240,000 | 13,077,000 | 12,815,000 | 12,963,000 |
| Interest-bearing deposits | 11,727,000 | 11,422,000 | 11,345,000 | 11,433,000 |
| Noninterest-bearing deposits | 1,513,000 | 1,655,000 | 1,470,000 | 1,530,000 |
| Equity capital | 1,374,000 | 1,500,000 | 1,591,000 | 1,488,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 246,000 | 478,000 | 711,000 | 946,000 |
| Interest expense | 50,000 | 96,000 | 138,000 | 178,000 |
| Net interest income | 196,000 | 382,000 | 573,000 | 768,000 |
| Noninterest income | 18,000 | 35,000 | 52,000 | 66,000 |
| Noninterest expense | 85,000 | 218,000 | 361,000 | 544,000 |
| Provision for loan losses | 41,000 | 41,000 | 66,000 | 190,000 |
| Pretax income | 88,000 | 173,000 | 217,000 | 119,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 88,000 | 173,000 | 217,000 | 119,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,381,000 | 1,475,000 | 1,503,000 | 1,405,000 |
| Total capital | 1,505,000 | 1,599,000 | 1,627,000 | 1,527,000 |
| Risk-weighted assets | 9,719,000 | 9,701,000 | 9,838,000 | 9,616,000 |
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