Call reports 2007
CHITTENDEN TRUST COMPANY — 2007
What CHITTENDEN TRUST COMPANY reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 3,393,887,000 | 3,329,044,000 | 3,369,801,000 | 3,418,539,000 |
| Total loans | 2,411,229,000 | 2,401,049,000 | 2,487,858,000 | 2,492,608,000 |
| Allowance for loan losses | 29,731,000 | 30,610,000 | 30,592,000 | 30,751,000 |
| Securities available for sale | 619,445,000 | 488,433,000 | 601,489,000 | 520,178,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,966,750,000 | 2,733,058,000 | 2,925,192,000 | 2,991,896,000 |
| Interest-bearing deposits | 2,462,873,000 | 2,219,326,000 | 2,397,818,000 | 2,434,577,000 |
| Noninterest-bearing deposits | 503,877,000 | 513,732,000 | 527,374,000 | 557,319,000 |
| Equity capital | 246,539,000 | 246,100,000 | 255,998,000 | 265,100,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 49,455,000 | 101,191,000 | 153,905,000 | 206,783,000 |
| Interest expense | 18,581,000 | 38,146,000 | 57,920,000 | 77,079,000 |
| Net interest income | 30,874,000 | 63,045,000 | 95,985,000 | 129,704,000 |
| Noninterest income | 12,051,000 | 24,029,000 | 37,394,000 | 51,102,000 |
| Noninterest expense | 23,953,000 | 47,311,000 | 70,988,000 | 96,818,000 |
| Provision for loan losses | 918,000 | 2,319,000 | 3,443,000 | 3,919,000 |
| Pretax income | 18,065,000 | 27,592,000 | 49,096,000 | 70,217,000 |
| Income tax | 4,743,000 | 7,249,000 | 13,495,000 | 19,267,000 |
| Net income | 13,322,000 | 20,343,000 | 35,601,000 | 50,950,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 251,256,000 | 245,664,000 | 253,260,000 | 257,269,000 |
| Total capital | 281,637,000 | 276,924,000 | 284,503,000 | 288,521,000 |
| Risk-weighted assets | 2,571,201,000 | 2,558,811,000 | 2,638,446,000 | 2,606,343,000 |