Call reports 2025
VERMONT STATE BANK — 2025
What VERMONT STATE BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 28,294,000 | 26,797,000 | 26,306,000 | 31,203,000 |
| Total loans | 14,882,000 | 14,243,000 | 14,240,000 | 13,733,000 |
| Allowance for loan losses | 721,000 | 707,000 | 693,000 | 639,000 |
| Securities available for sale | 1,588,000 | 1,584,000 | 3,099,000 | 5,582,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 20,964,000 | 19,187,000 | 18,886,000 | 22,419,000 |
| Interest-bearing deposits | 11,716,000 | 11,685,000 | 11,744,000 | 15,003,000 |
| Noninterest-bearing deposits | 9,248,000 | 7,502,000 | 7,142,000 | 7,416,000 |
| Equity capital | 6,641,000 | 6,954,000 | 7,297,000 | 7,581,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 298,000 | 608,000 | 910,000 | 1,209,000 |
| Interest expense | 97,000 | 195,000 | 294,000 | 388,000 |
| Net interest income | 201,000 | 413,000 | 616,000 | 821,000 |
| Noninterest income | 2,056,000 | 4,417,000 | 6,988,000 | 9,510,000 |
| Noninterest expense | 1,979,000 | 4,127,000 | 6,478,000 | 8,794,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 278,000 | 703,000 | 1,126,000 | 1,537,000 |
| Income tax | 85,000 | 209,000 | 328,000 | 448,000 |
| Net income | 193,000 | 494,000 | 798,000 | 1,089,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,500,000 | 6,889,000 | 7,214,000 | 7,608,000 |
| Total capital | 6,672,000 | 7,070,000 | 7,398,000 | 7,786,000 |
| Risk-weighted assets | 13,309,000 | 14,012,000 | 14,288,000 | 13,892,000 |