Company: CMTV
Filing Date: 2025-08-14
Form Type: 10-Q
Source: 0001654954-25-009542
Chunk: 60

Company: COMMUNITY BANCORP /VT
Filing Date: 2025-08-14
Form: 10-Q
Item: Part I, Item 1
Chunk 60
---
,982   1,366,838   2.24%Savings deposits  142,601,501   59,478   0.08%  148,958,173   64,055   0.09%Time deposits  191,963,068   3,395,357   3.57%  138,139,607   2,373,699   3.46%Repurchase agreements  46,267,496   584,016   2.55%  31,275,434   376,762   2.42%Borrowed funds  36,883,171   779,565   4.26%  90,641,242   2,181,613   4.84%Finance lease obligations  3,130,815   36,009   2.30%  3,359,597   38,628   2.30%Junior subordinated debentures  12,887,000   484,758   7.59%  12,887,000   560,799   8.75%Total interest-bearing liabilities  882,486,085  $10,042,263   2.29%  826,696,693  $9,597,809   2.33%Noninterest bearing deposits  191,995,481           185,401,062         Other liabilities  9,626,584           5,375,312         Total liabilities  1,084,108,150           1,017,473,067         Shareholders' equity  101,610,843           89,280,154         Total liabilities and shareholders' equity $1,185,718,993          $1,106,753,221                                  Net interest income     $19,770,437          $16,776,148     Net interest spread (3)          3.09%          2.74%Net interest margin (4)          3.56%          3.23%

(1)Included in net loans are non-accrual loans with average balances of $8,736,815 and $6,450,580 for