Call reports 2013
VERMONT STATE BANK — 2013
What VERMONT STATE BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 18,024,000 | 17,456,000 | 17,846,000 | 18,962,000 |
| Total loans | 11,287,000 | 12,149,000 | 12,996,000 | 13,990,000 |
| Allowance for loan losses | 301,000 | 294,000 | 275,000 | 270,000 |
| Securities available for sale | 3,937,000 | 3,754,000 | 3,900,000 | 3,423,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 16,393,000 | 15,933,000 | 16,102,000 | 17,068,000 |
| Interest-bearing deposits | 13,077,000 | 13,819,000 | 14,404,000 | 14,868,000 |
| Noninterest-bearing deposits | 3,316,000 | 2,114,000 | 1,698,000 | 2,200,000 |
| Equity capital | 1,595,000 | 1,495,000 | 1,708,000 | 1,861,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 229,000 | 453,000 | 695,000 | 941,000 |
| Interest expense | 39,000 | 76,000 | 116,000 | 156,000 |
| Net interest income | 190,000 | 377,000 | 579,000 | 785,000 |
| Noninterest income | 13,000 | 32,000 | 49,000 | 65,000 |
| Noninterest expense | 147,000 | 282,000 | 415,000 | 609,000 |
| Provision for loan losses | 0 | 0 | 62,000 | 107,000 |
| Pretax income | 56,000 | 127,000 | 151,000 | 134,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 56,000 | 127,000 | 151,000 | 134,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,487,000 | 1,558,000 | 1,581,000 | 1,949,000 |
| Total capital | 1,618,000 | 1,696,000 | 1,724,000 | 2,100,000 |
| Risk-weighted assets | 10,305,000 | 10,870,000 | 11,300,000 | 11,942,000 |
Machine access — free, no API key
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