Call reports 2002
CHITTENDEN TRUST COMPANY — 2002
What CHITTENDEN TRUST COMPANY reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 2,889,282,000 | 2,826,325,000 | 3,110,741,000 | 3,061,890,000 |
| Total loans | 2,084,414,000 | 1,827,028,000 | 1,890,437,000 | 1,865,197,000 |
| Allowance for loan losses | 30,252,000 | 26,602,000 | 26,797,000 | 26,577,000 |
| Securities available for sale | 589,215,000 | 818,914,000 | 921,721,000 | 975,803,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,586,530,000 | 2,367,692,000 | 2,615,910,000 | 2,584,434,000 |
| Interest-bearing deposits | 2,388,235,000 | 2,165,467,000 | 2,383,805,000 | 2,364,797,000 |
| Noninterest-bearing deposits | 198,295,000 | 202,225,000 | 232,105,000 | 219,637,000 |
| Equity capital | 202,034,000 | 212,593,000 | 235,335,000 | 240,103,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 43,198,000 | 83,468,000 | 125,139,000 | 165,995,000 |
| Interest expense | 12,639,000 | 23,630,000 | 34,755,000 | 44,785,000 |
| Net interest income | 30,559,000 | 59,838,000 | 90,384,000 | 121,210,000 |
| Noninterest income | 13,057,000 | 24,422,000 | 33,905,000 | 38,761,000 |
| Noninterest expense | 24,856,000 | 48,390,000 | 70,335,000 | 94,920,000 |
| Provision for loan losses | 1,425,000 | 2,175,000 | 3,640,000 | 5,040,000 |
| Pretax income | 17,451,000 | 33,892,000 | 50,511,000 | 70,187,000 |
| Income tax | 5,540,000 | 10,902,000 | 16,209,000 | 22,731,000 |
| Net income | 11,911,000 | 22,990,000 | 34,302,000 | 47,456,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 191,761,000 | 193,662,000 | 204,802,000 | 214,458,000 |
| Total capital | 218,609,000 | 219,630,000 | 231,599,000 | 241,035,000 |
| Risk-weighted assets | 2,144,445,000 | 2,076,834,000 | 2,209,829,000 | 2,189,100,000 |