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

This bank is inactive as of March 24, 2000

  • Vermont National Bank in Brattleboro, Vermont (VT)
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Vermont National Bank - Overview

  • General
  • FDIC Certificate #: 6265
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Chittenden Trust Company (#14149)
    Federal Reserve ID: 608
    Date Established: November 07, 1906
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 54 (Interstate: No)
    OTS Docket #: 8953
    FDIC's unique #: 4231
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Oakar Institutions: Yes
    State Chartered: No
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: March 24, 2000
    Last Structure Change Process Date: May 01, 2000
    Last Data Update: May 01, 2000
    Data Source Date: April 05, 2012
  • Location
  • Address: 100 Main Street, Brattleboro, VT 5301
    County: Windham
    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
  • Financial Summary
  • Total assets: $1,501.9 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, 1999)

  • Dollar figures in thousands
  • 604Total employees (full-time equivalent)
  • $1,501,881Total assets
  • $46,520Cash and due from depository institutions
  • $674Interest-bearing balances
  • $314,801Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $1,073,044Net loans & leases
  • $13,580Loan loss allowance
  • $0Trading account assets
  • $9,611Bank premises and fixed assets
  • $211Other real estate owned
  • $12,655Goodwill and other intangibles
  • $0Life insurance assets
  • $45,039All other assets
  • $1,501,881Total liabilities and capital
  • $1,353,162Total liabilities
  • $1,042,443Total deposits
  • $959,816Interest-bearing deposits
  • $1,042,443Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $189,576Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $69,267Other borrowed funds
  • $0Subordinated debt
  • $51,876All other liabilities
  • $148,719Total equity capital
  • $148,719Total bank equity capital
  • $148,719Perpetual preferred stock
  • $0Common stock
  • $7,298Surplus
  • $96,147Undivided profits
  • Memoranda
  • $45,274Noncurrent loans and leases
  • $370,633Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $7,521Earning assets
  • $0Long-term assets (5+ years)
  • $9,840Average Assets, year-to-date
  • $1,388,519Average Assets, quarterly
  • $502,390Volatile liabilities
  • $1,747,548Insider loans
  • $1,634,111FHLB advances
  • $256,331Loans and leases held for sale
  • $495Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $370,633Total unused commitments
  • $0Restructured Loans and leases
  • $12,912Derivatives

Income and Expense (December 31, 1999)

  • Dollar figures in thousands
  • $121,932Total interest income
  • $49,471Total interest expense
  • $72,461Net interest income
  • $3,300Provision for loan and lease losses
  • $41,511Total noninterest income
  • $6,492Fiduciary activities
  • $10,373Service charges on deposit accounts
  • $0Trading account gains & fees
  • $24,646Additional noninterest income
  • $116,068Total noninterest expense
  • $29,875Salaries and employee benefits
  • $12,738Premises and equipment expense
  • $73,455Additional noninterest expense
  • -$5,396Pre-tax net operating income
  • $0Securities gains (losses)
  • $13,362Applicable income taxes
  • -$18,758Income before extraordinary items
  • $0Extraordinary gains - net
  • -$18,758Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $4,531Sale, conversion, retirement of capital stock, net
  • $10,100Net operating income

Performance and Condition Ratios (December 31, 1999)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 7.76%Yield on earning assets
  • 3.15%Cost of funding earning assets
  • 4.61%Net interest margin
  • 2.64%Noninterest income to earning assets
  • 7.38%Noninterest expense to earning assets
  • -1.07%Net operating income to assets
  • -1.07%Return on assets (ROA)
  • -0.31%Pretax return on assets
  • -11.70%Return on equity (ROE)
  • -18.00%Retained earnings to average equity (YTD only)
  • 0.38%Net charge-offs to loans
  • 72.83%Credit loss provision to net charge-offs
  • -0.46%Efficiency ratio
  • 85,683Assets per employee
  • 2.49%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • -53.84%Loss allowance to loans
  • 1.25%Loss allowance to noncurrent loans
  • 180.56%Noncurrent assets plus other real estate owned to assets
  • 0.51%Noncurrent loans to loans
  • 0.69%Net loans and leases to deposits
  • 102.94%Net loans and leases to core deposits
  • 109.97%Equity capital to assets
  • 9.90%Core capital (leverage) ratio
  • 9.13%Tier 1 risk-based capital ratio
  • 14.15%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $1,747,548Average earning assets
  • $160,323Average equity
  • $1,572,129Average loans

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