Call reports 2015
VERMONT STATE BANK — 2015
What VERMONT STATE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 22,885,000 | 23,960,000 | 23,941,000 | 24,305,000 |
| Total loans | 18,185,000 | 18,765,000 | 19,551,000 | 20,053,000 |
| Allowance for loan losses | 310,000 | 315,000 | 388,000 | 349,000 |
| Securities available for sale | 2,894,000 | 2,850,000 | 3,110,000 | 3,074,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 20,724,000 | 21,811,000 | 21,801,000 | 22,219,000 |
| Interest-bearing deposits | 18,294,000 | 19,607,000 | 19,918,000 | 19,922,000 |
| Noninterest-bearing deposits | 2,430,000 | 2,204,000 | 1,883,000 | 2,297,000 |
| Equity capital | 2,108,000 | 2,093,000 | 2,077,000 | 2,026,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 284,000 | 563,000 | 861,000 | 1,179,000 |
| Interest expense | 61,000 | 127,000 | 200,000 | 276,000 |
| Net interest income | 223,000 | 436,000 | 661,000 | 903,000 |
| Noninterest income | 14,000 | 33,000 | 50,000 | 71,000 |
| Noninterest expense | 138,000 | 300,000 | 461,000 | 711,000 |
| Provision for loan losses | 0 | 21,000 | 141,000 | 181,000 |
| Pretax income | 101,000 | 150,000 | 111,000 | 84,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 101,000 | 150,000 | 111,000 | 84,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,071,000 | 2,089,000 | 2,049,000 | 2,023,000 |
| Total capital | 2,263,000 | 2,290,000 | 2,256,000 | 2,238,000 |
| Risk-weighted assets | 15,274,000 | 16,017,000 | 16,446,000 | 17,125,000 |