Call reports 2012
VERMONT STATE BANK — 2012
What VERMONT STATE BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 14,935,000 | 14,674,000 | 15,650,000 | 16,112,000 |
| Total loans | 10,377,000 | 10,635,000 | 11,053,000 | 11,291,000 |
| Allowance for loan losses | 312,000 | 312,000 | 294,000 | 268,000 |
| Securities available for sale | 3,122,000 | 3,164,000 | 3,329,000 | 3,330,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 13,471,000 | 13,165,000 | 14,021,000 | 14,530,000 |
| Interest-bearing deposits | 11,772,000 | 11,489,000 | 11,918,000 | 12,980,000 |
| Noninterest-bearing deposits | 1,699,000 | 1,676,000 | 2,103,000 | 1,550,000 |
| Equity capital | 1,429,000 | 1,480,000 | 1,598,000 | 1,554,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 232,000 | 465,000 | 717,000 | 960,000 |
| Interest expense | 38,000 | 75,000 | 107,000 | 142,000 |
| Net interest income | 194,000 | 390,000 | 610,000 | 818,000 |
| Noninterest income | 11,000 | 29,000 | 45,000 | 55,000 |
| Noninterest expense | 121,000 | 308,000 | 443,000 | 632,000 |
| Provision for loan losses | 100,000 | 100,000 | 100,000 | 182,000 |
| Pretax income | -16,000 | 11,000 | 112,000 | 59,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -16,000 | 11,000 | 112,000 | 59,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,405,000 | 1,407,000 | 1,508,000 | 1,455,000 |
| Total capital | 1,528,000 | 1,529,000 | 1,635,000 | 1,583,000 |
| Risk-weighted assets | 9,662,000 | 9,599,000 | 9,963,000 | 10,102,000 |
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