Call reports 2005
CHITTENDEN TRUST COMPANY — 2005
What CHITTENDEN TRUST COMPANY reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 3,126,636,000 | 3,173,948,000 | 3,236,762,000 | 3,372,762,000 |
| Total loans | 2,114,901,000 | 2,165,059,000 | 2,302,193,000 | 2,315,710,000 |
| Allowance for loan losses | 29,271,000 | 29,825,000 | 30,093,000 | 29,894,000 |
| Securities available for sale | 795,618,000 | 766,903,000 | 749,203,000 | 784,392,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,686,277,000 | 2,721,288,000 | 2,877,964,000 | 3,016,987,000 |
| Interest-bearing deposits | 2,437,387,000 | 2,389,866,000 | 2,568,328,000 | 2,673,484,000 |
| Noninterest-bearing deposits | 248,890,000 | 331,422,000 | 309,636,000 | 343,503,000 |
| Equity capital | 245,518,000 | 255,482,000 | 257,162,000 | 257,418,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 38,291,000 | 78,413,000 | 121,262,000 | 166,290,000 |
| Interest expense | 7,286,000 | 15,919,000 | 26,080,000 | 37,985,000 |
| Net interest income | 31,005,000 | 62,494,000 | 95,182,000 | 128,305,000 |
| Noninterest income | 12,881,000 | 25,207,000 | 38,200,000 | 50,616,000 |
| Noninterest expense | 23,431,000 | 45,257,000 | 68,709,000 | 91,938,000 |
| Provision for loan losses | 625,000 | 1,475,000 | 2,310,000 | 2,960,000 |
| Pretax income | 19,830,000 | 40,955,000 | 62,312,000 | 83,972,000 |
| Income tax | 6,681,000 | 13,867,000 | 21,046,000 | 28,149,000 |
| Net income | 13,149,000 | 27,088,000 | 41,266,000 | 55,823,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 243,196,000 | 247,891,000 | 255,275,000 | 258,162,000 |
| Total capital | 272,467,000 | 277,716,000 | 285,368,000 | 288,706,000 |
| Risk-weighted assets | 2,505,036,000 | 2,566,647,000 | 2,597,803,000 | 2,634,922,000 |