Call reports 2006
CHITTENDEN TRUST COMPANY — 2006
What CHITTENDEN TRUST COMPANY reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 3,368,681,000 | 3,358,444,000 | 3,387,390,000 | 3,342,667,000 |
| Total loans | 2,347,758,000 | 2,309,888,000 | 2,399,676,000 | 2,386,154,000 |
| Allowance for loan losses | 29,603,000 | 29,845,000 | 29,934,000 | 29,454,000 |
| Securities available for sale | 769,964,000 | 735,470,000 | 717,158,000 | 655,838,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,918,761,000 | 2,848,812,000 | 3,031,386,000 | 2,913,072,000 |
| Interest-bearing deposits | 2,645,663,000 | 2,550,442,000 | 2,399,544,000 | 2,362,384,000 |
| Noninterest-bearing deposits | 273,098,000 | 298,370,000 | 631,842,000 | 550,688,000 |
| Equity capital | 235,733,000 | 246,753,000 | 255,009,000 | 251,960,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 46,187,000 | 95,344,000 | 146,190,000 | 197,826,000 |
| Interest expense | 13,953,000 | 29,900,000 | 47,290,000 | 65,165,000 |
| Net interest income | 32,234,000 | 65,444,000 | 98,900,000 | 132,661,000 |
| Noninterest income | 12,516,000 | 25,710,000 | 35,354,000 | 47,042,000 |
| Noninterest expense | 24,058,000 | 48,295,000 | 69,870,000 | 92,619,000 |
| Provision for loan losses | 400,000 | 1,450,000 | 2,938,000 | 4,138,000 |
| Pretax income | 20,292,000 | 41,409,000 | 61,446,000 | 82,951,000 |
| Income tax | 6,606,000 | 13,158,000 | 18,646,000 | 24,734,000 |
| Net income | 13,686,000 | 28,251,000 | 42,800,000 | 58,217,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 240,724,000 | 254,658,000 | 256,226,000 | 258,113,000 |
| Total capital | 270,977,000 | 285,153,000 | 286,810,000 | 288,217,000 |
| Risk-weighted assets | 2,562,186,000 | 2,589,970,000 | 2,600,245,000 | 2,548,641,000 |