Call reports 2014
VERMONT STATE BANK — 2014
What VERMONT STATE BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 20,104,000 | 21,105,000 | 21,919,000 | 21,852,000 |
| Total loans | 14,481,000 | 16,044,000 | 16,980,000 | 17,684,000 |
| Allowance for loan losses | 254,000 | 264,000 | 287,000 | 305,000 |
| Securities available for sale | 3,264,000 | 3,554,000 | 3,326,000 | 3,147,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 18,105,000 | 19,046,000 | 19,824,000 | 19,813,000 |
| Interest-bearing deposits | 16,120,000 | 16,868,000 | 17,773,000 | 17,607,000 |
| Noninterest-bearing deposits | 1,985,000 | 2,178,000 | 2,051,000 | 2,206,000 |
| Equity capital | 1,961,000 | 2,020,000 | 2,046,000 | 1,995,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 248,000 | 505,000 | 782,000 | 1,068,000 |
| Interest expense | 44,000 | 91,000 | 145,000 | 202,000 |
| Net interest income | 204,000 | 414,000 | 637,000 | 866,000 |
| Noninterest income | 17,000 | 38,000 | 55,000 | 72,000 |
| Noninterest expense | 173,000 | 333,000 | 514,000 | 792,000 |
| Provision for loan losses | 0 | 25,000 | 47,000 | 97,000 |
| Pretax income | 48,000 | 94,000 | 137,000 | 55,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 48,000 | 94,000 | 137,000 | 55,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,997,000 | 2,011,000 | 2,053,000 | 1,971,000 |
| Total capital | 2,152,000 | 2,188,000 | 2,236,000 | 2,161,000 |
| Risk-weighted assets | 12,326,000 | 14,099,000 | 14,569,000 | 15,049,000 |
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