Home > Vermont Federal National Bank > Assets and Liabilities
Vermont Federal National Bank, Assets and Liabilities
| 1996-12-31 | Rank | |
| # of Employees: | 433 | 445 |
| Assets and Liabilities | ||
| Total Assets: | $862,613,000 | 621 |
| Cash and due from depository institutions | $36,064,000 | 445 |
| Interest-bearing balances | $5,448,000 | 701 |
| Securities | $285,510,000 | 480 |
| Federal funds sold & reverse repurchase agreements | $0 | 8,460 |
| Net loans & leases | $493,948,000 | 673 |
| Loan loss allowance | $4,311,000 | 989 |
| Trading account assets | $0 | 240 |
| Bank premises and fixed assets | $17,151,000 | 449 |
| Other real estate owned | $4,951,000 | 445 |
| Goodwill and other intangibles | $6,144,000 | 489 |
| All other assets | $18,845,000 | 566 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $862,613,000 | 621 |
| Total liabilities | $800,847,000 | 606 |
| Total deposits | $629,571,000 | 650 |
| Interest-bearing deposits | $574,859,000 | 615 |
| Deposits held in domestic offices | $629,571,000 | 642 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,907 |
| Trading liabilities | $0 | 97 |
| Other borrowed funds | $169,021,000 | 279 |
| Subordinated debt | $0 | 298 |
| All other liabilities | $2,255,000 | 1,841 |
| Total equity capital | $61,766,000 | 763 |
| Total bank equity capital | $61,766,000 | 763 |
| Perpetual preferred stock | $0 | 250 |
| Common stock | $113,000 | 8,570 |
| Surplus | $21,280,000 | 871 |
| Undivided profits | $40,373,000 | 634 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $6,578,000 | 564 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,832 |
| Income earned, not collected on loans | $2,821,000 | 791 |
| Earning assets | $784,906,000 | 619 |
| Long-term assets (5+ years) | $0 | 9,965 |
| Average Assets, year-to-date | $844,046,000 | 611 |
| Average Assets, quarterly | $863,515,500 | 615 |
| Volatile liabilities | $229,857,000 | 512 |
| Insider loans | $425,000 | 5,940 |
| FHLB advances | $168,780,000 | 87 |
| Loans and leases held for sale | $0 | 1,560 |
| Unused loan commitments | $87,615,000 | 718 |
| Tier 1 (core) risk-based capital | $58,060,000 | 771 |
| Tier 2 risk-based capital | $2,806,000 | 1,169 |
| Total risk weighted assets | $486,376,000 | 675 |
| Total unused commitments | $87,615,000 | 724 |
| Derivatives | $0 | 549 |
| 1995-12-31 | Rank | |
| # of Employees: | 357 | 553 |
| Assets and Liabilities | ||
| Total Assets: | $830,372,000 | 658 |
| Cash and due from depository institutions | $53,159,000 | 553 |
| Interest-bearing balances | $414,000 | 3,476 |
| Securities | $270,643,000 | 528 |
| Federal funds sold & reverse repurchase agreements | $0 | 9,298 |
| Net loans & leases | $446,299,000 | 739 |
| Loan loss allowance | $7,064,000 | 711 |
| Trading account assets | $0 | 261 |
| Bank premises and fixed assets | $14,883,000 | 512 |
| Other real estate owned | $3,914,000 | 553 |
| Goodwill and other intangibles | $5,363,000 | 498 |
| All other assets | $36,111,000 | 401 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $830,372,000 | 658 |
| Total liabilities | $770,089,000 | 651 |
| Total deposits | $622,545,000 | 673 |
| Interest-bearing deposits | $569,426,000 | 632 |
| Deposits held in domestic offices | $622,545,000 | 663 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $11,855,000 | 1,021 |
| Trading liabilities | $0 | 110 |
| Other borrowed funds | $133,256,000 | 323 |
| Subordinated debt | $0 | 337 |
| All other liabilities | $2,433,000 | 1,797 |
| Total equity capital | $60,283,000 | 816 |
| Total bank equity capital | $60,283,000 | 816 |
| Perpetual preferred stock | $0 | 288 |
| Common stock | $112,000 | 8,993 |
| Surplus | $21,279,000 | 874 |
| Undivided profits | $38,892,000 | 676 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $13,878,000 | 356 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,782 |
| Income earned, not collected on loans | $2,836,000 | 813 |
| Earning assets | $717,356,000 | 686 |
| Long-term assets (5+ years) | $0 | 10,367 |
| Average Assets, year-to-date | $833,743,000 | 638 |
| Average Assets, quarterly | $837,358,000 | 646 |
| Volatile liabilities | $173,903,000 | 601 |
| Insider loans | $563,000 | 5,320 |
| FHLB advances | $132,890,000 | 100 |
| Loans and leases held for sale | $0 | 1,606 |
| Unused loan commitments | $83,809,000 | 768 |
| Tier 1 (core) risk-based capital | $56,071,000 | 826 |
| Tier 2 risk-based capital | $3,916,000 | 900 |
| Total risk weighted assets | $473,532,000 | 692 |
| Total unused commitments | $93,809,000 | 716 |
| Derivatives | $0 | 628 |
| 1994-12-31 | Rank | |
| # of Employees: | 264 | 743 |
| Assets and Liabilities | ||
| Total Assets: | $551,115,000 | 879 |
| Cash and due from depository institutions | $19,822,000 | 743 |
| Interest-bearing balances | $617,000 | 3,036 |
| Securities | $215,545,000 | 644 |
| Federal funds sold & reverse repurchase agreements | $0 | 8,397 |
| Net loans & leases | $280,703,000 | 1,028 |
| Loan loss allowance | $2,743,000 | 1,503 |
| Trading account assets | $0 | 286 |
| Bank premises and fixed assets | $8,685,000 | 842 |
| Other real estate owned | $8,003,000 | 743 |
| Goodwill and other intangibles | $4,057,000 | 533 |
| All other assets | $14,300,000 | 759 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $551,115,000 | 879 |
| Total liabilities | $520,298,000 | 863 |
| Total deposits | $372,545,000 | 1,032 |
| Interest-bearing deposits | $337,247,000 | 1,000 |
| Deposits held in domestic offices | $372,545,000 | 1,022 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $21,000,000 | 857 |
| Trading liabilities | $0 | 87 |
| Other borrowed funds | $124,157,000 | 332 |
| Subordinated debt | $0 | 372 |
| All other liabilities | $2,596,000 | 1,463 |
| Total equity capital | $30,817,000 | 1,335 |
| Total bank equity capital | $30,817,000 | 1,335 |
| Perpetual preferred stock | $0 | 310 |
| Common stock | $13,000 | 11,096 |
| Surplus | $8,946,000 | 1,689 |
| Undivided profits | $21,858,000 | 1,081 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $3,837,000 | 971 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,752 |
| Income earned, not collected on loans | $1,522,000 | 1,269 |
| Earning assets | $496,865,000 | 885 |
| Long-term assets (5+ years) | $0 | 10,888 |
| Average Assets, year-to-date | $534,543,200 | 874 |
| Average Assets, quarterly | $547,128,000 | 878 |
| Volatile liabilities | $162,431,000 | 613 |
| Insider loans | $1,206,000 | 3,218 |
| FHLB advances | $123,676,000 | 110 |
| Loans and leases held for sale | $0 | 1,430 |
| Unused loan commitments | $56,206,000 | 909 |
| Tier 1 (core) risk-based capital | $30,848,000 | 1,336 |
| Tier 2 risk-based capital | $2,461,000 | 1,315 |
| Total risk weighted assets | $317,847,000 | 922 |
| Total unused commitments | $56,206,000 | 918 |
| Derivatives | $0 | 687 |
| 1993-12-31 | Rank | |
| # of Employees: | 248 | 838 |
| Assets and Liabilities | ||
| Total Assets: | $512,343,000 | 944 |
| Cash and due from depository institutions | $19,625,000 | 838 |
| Interest-bearing balances | $9,061,000 | 689 |
| Securities | $199,655,000 | 726 |
| Federal funds sold & reverse repurchase agreements | $0 | 10,345 |
| Net loans & leases | $253,036,000 | 1,113 |
| Loan loss allowance | $3,829,000 | 1,205 |
| Trading account assets | $0 | 330 |
| Bank premises and fixed assets | $8,521,000 | 844 |
| Other real estate owned | $12,620,000 | 838 |
| Goodwill and other intangibles | $3,615,000 | 514 |
| All other assets | $15,271,000 | 701 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $512,343,000 | 944 |
| Total liabilities | $484,347,000 | 921 |
| Total deposits | $357,801,000 | 1,103 |
| Interest-bearing deposits | $330,045,000 | 1,052 |
| Deposits held in domestic offices | $357,801,000 | 1,092 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $5,000,000 | 1,499 |
| Trading liabilities | $0 | 1 |
| Other borrowed funds | $119,848,000 | 306 |
| Subordinated debt | $0 | 413 |
| All other liabilities | $1,698,000 | 2,073 |
| Total equity capital | $27,996,000 | 1,464 |
| Total bank equity capital | $27,996,000 | 1,464 |
| Perpetual preferred stock | $0 | 343 |
| Common stock | $13,000 | 11,633 |
| Surplus | $8,946,000 | 1,613 |
| Undivided profits | $19,037,000 | 1,244 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $8,036,000 | 689 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,950 |
| Income earned, not collected on loans | $1,216,000 | 1,414 |
| Earning assets | $461,752,000 | 955 |
| Long-term assets (5+ years) | $0 | 11,403 |
| Average Assets, year-to-date | $505,252,000 | 934 |
| Average Assets, quarterly | $516,817,000 | 930 |
| Volatile liabilities | $141,675,000 | 647 |
| Insider loans | $2,567,000 | 1,618 |
| FHLB advances | $119,260,000 | 99 |
| Loans and leases held for sale | $0 | 1,681 |
| Unused loan commitments | $58,320,000 | 894 |
| Tier 1 (core) risk-based capital | $27,833,000 | 1,437 |
| Tier 2 risk-based capital | $3,112,000 | 1,074 |
| Total risk weighted assets | $303,506,000 | 960 |
| Total unused commitments | $59,320,000 | 899 |
| Derivatives | $0 | 714 |
| 1992-12-31 | Rank | |
| # of Employees: | 241 | 874 |
| Assets and Liabilities | ||
| Total Assets: | $493,739,000 | 1,004 |
| Cash and due from depository institutions | $31,970,000 | 874 |
| Interest-bearing balances | $20,802,000 | 384 |
| Securities | $177,515,000 | 777 |
| Federal funds sold & reverse repurchase agreements | $0 | 11,296 |
| Net loans & leases | $240,546,000 | 1,196 |
| Loan loss allowance | $4,061,000 | 1,187 |
| Trading account assets | $0 | 344 |
| Bank premises and fixed assets | $9,486,000 | 769 |
| Other real estate owned | $14,910,000 | 874 |
| Goodwill and other intangibles | $2,138,000 | 695 |
| All other assets | $17,174,000 | 683 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $493,739,000 | 1,004 |
| Total liabilities | $468,176,000 | 989 |
| Total deposits | $361,991,000 | 1,149 |
| Interest-bearing deposits | $330,789,000 | 1,103 |
| Deposits held in domestic offices | $361,991,000 | 1,139 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,764 |
| Trading liabilities | $0 | 1 |
| Other borrowed funds | $104,704,000 | 289 |
| Subordinated debt | $0 | 482 |
| All other liabilities | $1,481,000 | 2,379 |
| Total equity capital | $25,563,000 | 1,516 |
| Total bank equity capital | $25,563,000 | 1,516 |
| Perpetual preferred stock | $0 | 346 |
| Common stock | $13,000 | 12,175 |
| Surplus | $8,946,000 | 1,564 |
| Undivided profits | $16,604,000 | 1,313 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $6,335,000 | 950 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1 |
| Income earned, not collected on loans | $1,378,000 | 1,386 |
| Earning assets | $438,863,000 | 1,034 |
| Long-term assets (5+ years) | $0 | 11,806 |
| Average Assets, year-to-date | $466,019,400 | 1,047 |
| Average Assets, quarterly | $491,337,000 | 1,008 |
| Volatile liabilities | $129,864,000 | 636 |
| Insider loans | $0 | 9,493 |
| FHLB advances | $104,260,000 | 102 |
| Loans and leases held for sale | $0 | 1,207 |
| Unused loan commitments | $46,715,000 | 995 |
| Tier 1 (core) risk-based capital | $25,563,000 | 1,477 |
| Tier 2 risk-based capital | $3,309,000 | 1,043 |
| Total risk weighted assets | $290,087,000 | 1,023 |
| Total unused commitments | $46,715,000 | 1,013 |
| Derivatives | $0 | 651 |