Call reports 2017
VERMONT STATE BANK — 2017
What VERMONT STATE BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 28,027,000 | 28,602,000 | 28,027,000 | 28,154,000 |
| Total loans | 23,215,000 | 23,574,000 | 23,947,000 | 24,120,000 |
| Allowance for loan losses | 349,000 | 334,000 | 335,000 | 322,000 |
| Securities available for sale | 2,574,000 | 2,559,000 | 2,561,000 | 2,575,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 25,742,000 | 26,226,000 | 25,500,000 | 25,724,000 |
| Interest-bearing deposits | 23,247,000 | 23,766,000 | 23,106,000 | 23,386,000 |
| Noninterest-bearing deposits | 2,495,000 | 2,460,000 | 2,394,000 | 2,338,000 |
| Equity capital | 2,207,000 | 2,294,000 | 2,434,000 | 2,352,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 347,000 | 699,000 | 1,060,000 | 1,416,000 |
| Interest expense | 99,000 | 202,000 | 308,000 | 414,000 |
| Net interest income | 248,000 | 497,000 | 752,000 | 1,002,000 |
| Noninterest income | 17,000 | 33,000 | 56,000 | 70,000 |
| Noninterest expense | 165,000 | 337,000 | 485,000 | 731,000 |
| Provision for loan losses | 0 | 0 | 0 | 70,000 |
| Pretax income | 100,000 | 193,000 | 323,000 | 271,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 100,000 | 193,000 | 323,000 | 271,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,208,000 | 2,302,000 | 2,431,000 | 2,379,000 |
| Total capital | 2,462,000 | 2,555,000 | 2,689,000 | 2,639,000 |
| Risk-weighted assets | 20,271,000 | 20,208,000 | 20,625,000 | 20,740,000 |