The Woodstock National Bank in Woodstock, Vermont (VT)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of May 21, 1999

  • The Woodstock National Bank in Woodstock, Vermont (VT)
  • Show street view No street view available for this location

The Woodstock National Bank - Overview

  • General
  • FDIC Certificate #: 6295
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: First Vermont Bank , National Association (#14147)
    Federal Reserve ID: 408204
    Date Established: January 01, 1865
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 3 (Interstate: No)
    OTS Docket #: 9760
    FDIC's unique #: 4248
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: No
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: May 21, 1999
    Last Structure Change Process Date: June 04, 1999
    Last Data Update: June 04, 1999
    Data Source Date: April 05, 2012
  • Location
  • Address: 21 Elm Street, Woodstock, VT 5091
    County: Windsor
    Quarterly Banking Profile Region: New York
    FDIC Geographic Region: New York
    FDIC Supervisory Region: New York
    FDIC Field Office: Springfield Ma
    Office of the Comptroller the Currency (OCC) District: Northeast
    Office of Thrift Supervision Region: Northeast
    Combined Statistical Area (CSA): Claremont-Lebanon, NH-VT (#180)
    Core Based Statistical Area (CBSA): Lebanon, NH-VT (#30100)
    CBSA Micro Statistical Area: Yes
  • Financial Summary
  • Total assets: $80.3 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 1998)

  • Dollar figures in thousands
  • 14Total employees (full-time equivalent)
  • $79,527Total assets
  • $2,312Cash and due from depository institutions
  • $1Interest-bearing balances
  • $16,169Securities
  • $6,635Federal funds sold & reverse repurchase agreements
  • $51,416Net loans & leases
  • $720Loan loss allowance
  • $0Trading account assets
  • $550Bank premises and fixed assets
  • $384Other real estate owned
  • $3Goodwill and other intangibles
  • $0Life insurance assets
  • $2,058All other assets
  • $79,527Total liabilities and capital
  • $74,792Total liabilities
  • $71,057Total deposits
  • $60,151Interest-bearing deposits
  • $71,057Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $3,553Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $182All other liabilities
  • $4,735Total equity capital
  • $4,735Total bank equity capital
  • $4,735Perpetual preferred stock
  • $0Common stock
  • $155Surplus
  • $357Undivided profits
  • Memoranda
  • $4,223Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $291Earning assets
  • $0Long-term assets (5+ years)
  • $327Average Assets, year-to-date
  • $74,221Average Assets, quarterly
  • $19,039Volatile liabilities
  • $77,554Insider loans
  • $79,169FHLB advances
  • $6,325Loans and leases held for sale
  • $6Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $7,709Total unused commitments
  • $0Restructured Loans and leases
  • $46,544Derivatives

Income and Expense (December 31, 1998)

  • Dollar figures in thousands
  • $5,779Total interest income
  • $2,586Total interest expense
  • $3,193Net interest income
  • $98Provision for loan and lease losses
  • $587Total noninterest income
  • $0Fiduciary activities
  • $368Service charges on deposit accounts
  • $0Trading account gains & fees
  • $219Additional noninterest income
  • $2,325Total noninterest expense
  • $564Salaries and employee benefits
  • $220Premises and equipment expense
  • $1,541Additional noninterest expense
  • $1,357Pre-tax net operating income
  • -$21Securities gains (losses)
  • $415Applicable income taxes
  • $921Income before extraordinary items
  • $0Extraordinary gains - net
  • $921Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $30Sale, conversion, retirement of capital stock, net
  • $1,840Net operating income

Performance and Condition Ratios (December 31, 1998)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 7.96%Yield on earning assets
  • 3.56%Cost of funding earning assets
  • 4.40%Net interest margin
  • 0.81%Noninterest income to earning assets
  • 3.20%Noninterest expense to earning assets
  • 1.21%Net operating income to assets
  • 1.19%Return on assets (ROA)
  • 1.72%Pretax return on assets
  • 16.44%Return on equity (ROE)
  • -16.41%Retained earnings to average equity (YTD only)
  • 0.05%Net charge-offs to loans
  • 326.67%Credit loss provision to net charge-offs
  • 48.50%Efficiency ratio
  • 61,402Assets per employee
  • 5.68%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 199.78%Loss allowance to loans
  • 1.38%Loss allowance to noncurrent loans
  • 247.42%Noncurrent assets plus other real estate owned to assets
  • 0.57%Noncurrent loans to loans
  • 0.56%Net loans and leases to deposits
  • 72.36%Net loans and leases to core deposits
  • 75.30%Equity capital to assets
  • 5.95%Core capital (leverage) ratio
  • 5.97%Tier 1 risk-based capital ratio
  • 9.98%Total risk-based capital ratio
  • Memoranda
  • $11Average assets
  • $77,554Average earning assets
  • $5,601Average equity
  • $72,558Average loans

Comment about this bank, ask questions, or add new information about it:

This web site is not associated with, endorsed by, or sponsored by and has no official or unofficial affiliation with The Woodstock National Bank.
Based on public records. Inadvertent errors are possible.
bankencyclopedia.com does not guarantee the accuracy or timeliness of any information on this site.  Use at your own risk.
Table of Contents