Call reports 2018
VERMONT STATE BANK — 2018
What VERMONT STATE BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 28,461,000 | 27,748,000 | 28,796,000 | 28,520,000 |
| Total loans | 23,864,000 | 23,976,000 | 23,915,000 | 23,936,000 |
| Allowance for loan losses | 372,000 | 335,000 | 323,000 | 341,000 |
| Securities available for sale | 2,530,000 | 2,549,000 | 2,552,000 | 2,552,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 26,007,000 | 25,264,000 | 26,168,000 | 25,960,000 |
| Interest-bearing deposits | 23,557,000 | 23,091,000 | 23,878,000 | 23,692,000 |
| Noninterest-bearing deposits | 2,450,000 | 2,173,000 | 2,290,000 | 2,268,000 |
| Equity capital | 2,364,000 | 2,415,000 | 2,539,000 | 2,472,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 349,000 | 709,000 | 1,075,000 | 1,419,000 |
| Interest expense | 106,000 | 215,000 | 330,000 | 451,000 |
| Net interest income | 243,000 | 494,000 | 745,000 | 968,000 |
| Noninterest income | 18,000 | 32,000 | 43,000 | 54,000 |
| Noninterest expense | 151,000 | 338,000 | 488,000 | 738,000 |
| Provision for loan losses | 61,000 | 61,000 | 61,000 | 116,000 |
| Pretax income | 49,000 | 127,000 | 239,000 | 168,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 49,000 | 127,000 | 239,000 | 168,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,429,000 | 2,455,000 | 2,566,000 | 2,495,000 |
| Total capital | 2,686,000 | 2,712,000 | 2,822,000 | 2,750,000 |
| Risk-weighted assets | 20,468,000 | 20,491,000 | 20,443,000 | 20,356,000 |