Marble Bank in Rutland, Vermont (VT)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of January 03, 1996

  • Marble Bank in Rutland, Vermont (VT)
  • Show street view No street view available for this location

Marble Bank - Overview

  • General
  • FDIC Certificate #: 14132
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: ALBANK, FSB (#32106)
    Federal Reserve ID: 462000
    Date Established: Febuary 01, 1880
    Bank Charter Class: Savings banks, state charter, supervised by the FDIC
    Offices: 9 (Interstate: No)
    OTS Docket #: 7651
    FDIC's unique #: 8826
    Numeric code: 41
    Regulator: FDIC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    FDIC Insured: Yes
    Insured Savings Institution: Yes
    State Chartered: Yes
    Date of Deposit Insurance: March 31, 1934
    Last Structure Change Effective Date: January 03, 1996
    Last Structure Change Process Date: March 15, 1996
    Last Data Update: March 15, 1996
    Data Source Date: April 05, 2012
  • Location
  • Address: 47 Merchants Row, Rutland, VT 5701
    County: Rutland
    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
    Core Based Statistical Area (CBSA): Rutland, VT (#40860)
    CBSA Micro Statistical Area: Yes
  • Financial Summary
  • Total assets: $396.1 mil

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

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1995)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $139Total assets
  • $396,108Cash and due from depository institutions
  • $6,792Interest-bearing balances
  • $4Securities
  • $102,314Federal funds sold & reverse repurchase agreements
  • $0Net loans & leases
  • $273,714Loan loss allowance
  • $7,625Trading account assets
  • $0Bank premises and fixed assets
  • $5,687Other real estate owned
  • $1,171Goodwill and other intangibles
  • $6,430Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $396,108Total liabilities
  • $353,571Total deposits
  • $329,325Interest-bearing deposits
  • $310,244Deposits held in domestic offices
  • 329325.00%% insured (estimated)
  • $86Federal funds purchased & repurchase agreements
  • $3,693Trading liabilities
  • $0Other borrowed funds
  • $19,456Subordinated debt
  • $0All other liabilities
  • $1,097Total equity capital
  • $1,097Total bank equity capital
  • $42,537Perpetual preferred stock
  • $0Common stock
  • $100Surplus
  • $37,723Undivided profits
  • Memoranda
  • $4,714Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $5,806Income earned, not collected on loans
  • $1,867Earning assets
  • $376,032Long-term assets (5+ years)
  • $137,750Average Assets, year-to-date
  • $411,607Average Assets, quarterly
  • $411,897Volatile liabilities
  • $65,670Insider loans
  • $2,606FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $38,425Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $42,169Total risk weighted assets
  • $266,502Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1995)

  • Dollar figures in thousands
  • $0Total interest income
  • $33,202Total interest expense
  • $18,340Net interest income
  • $14,862Provision for loan and lease losses
  • $0Total noninterest income
  • $2,111Fiduciary activities
  • $0Service charges on deposit accounts
  • $711Trading account gains & fees
  • $820Additional noninterest income
  • $580Total noninterest expense
  • $10,089Salaries and employee benefits
  • $5,738Premises and equipment expense
  • $1,533Additional noninterest expense
  • $2,818Pre-tax net operating income
  • $6,884Securities gains (losses)
  • -$201Applicable income taxes
  • $1,904Income before extraordinary items
  • $4,779Extraordinary gains - net
  • $0Net income attributable to bank
  • $4,779Net charge-offs
  • $380Cash dividends
  • $0Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1995)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 8.53%Cost of funding earning assets
  • 4.71%Net interest margin
  • 3.82%Noninterest income to earning assets
  • 0.54%Noninterest expense to earning assets
  • 2.59%Net operating income to assets
  • 1.20%Return on assets (ROA)
  • 1.16%Pretax return on assets
  • 1.62%Return on equity (ROE)
  • 12.53%Retained earnings to average equity (YTD only)
  • 12.53%Net charge-offs to loans
  • 0.14%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 59,441Assets per employee
  • 2.85%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.71%Loss allowance to noncurrent loans
  • 131.33%Noncurrent assets plus other real estate owned to assets
  • 1.76%Noncurrent loans to loans
  • 2.06%Net loans and leases to deposits
  • 83.11%Net loans and leases to core deposits
  • 95.44%Equity capital to assets
  • 10.74%Core capital (leverage) ratio
  • 10.24%Tier 1 risk-based capital ratio
  • 15.82%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $411,607Average earning assets
  • $38,153Average equity
  • $389,212Average loans

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