Call reports 2024
VERMONT STATE BANK — 2024
What VERMONT STATE BANK reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 24,283,000 | 25,276,000 | 27,296,000 | 26,506,000 |
| Total loans | 15,270,000 | 14,696,000 | 14,793,000 | 15,076,000 |
| Allowance for loan losses | 626,000 | 607,000 | 572,000 | 732,000 |
| Securities available for sale | 1,595,000 | 1,593,000 | 1,648,000 | 1,567,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 18,063,000 | 18,796,000 | 20,456,000 | 19,482,000 |
| Interest-bearing deposits | 12,408,000 | 11,974,000 | 12,014,000 | 11,707,000 |
| Noninterest-bearing deposits | 5,655,000 | 6,822,000 | 8,442,000 | 7,775,000 |
| Equity capital | 5,589,000 | 5,826,000 | 6,176,000 | 6,409,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 290,000 | 571,000 | 881,000 | 1,186,000 |
| Interest expense | 110,000 | 203,000 | 298,000 | 399,000 |
| Net interest income | 180,000 | 368,000 | 583,000 | 787,000 |
| Noninterest income | 923,000 | 2,457,000 | 4,225,000 | 6,286,000 |
| Noninterest expense | 1,238,000 | 2,741,000 | 4,451,000 | 6,355,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -135,000 | 84,000 | 357,000 | 718,000 |
| Income tax | 0 | 0 | 0 | 63,000 |
| Net income | -135,000 | 84,000 | 357,000 | 655,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,475,000 | 5,694,000 | 6,018,000 | 6,421,000 |
| Total capital | 5,674,000 | 5,877,000 | 6,194,000 | 6,582,000 |
| Risk-weighted assets | 15,655,000 | 14,381,000 | 13,838,000 | 12,142,000 |
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