Call reports 2001
FIRST STATE BANK OF MIDDLEBURY — 2001
What FIRST STATE BANK OF MIDDLEBURY reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 225,565,000 | 237,610,000 | 239,955,000 | 243,165,000 |
| Total loans | 171,605,000 | 175,453,000 | 176,844,000 | 179,477,000 |
| Allowance for loan losses | 1,635,000 | 1,656,000 | 1,663,000 | 1,657,000 |
| Securities available for sale | 23,814,000 | 24,783,000 | 30,185,000 | 27,926,000 |
| Securities held to maturity | 13,403,000 | 13,633,000 | 12,872,000 | 12,657,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 188,401,000 | 197,102,000 | 195,805,000 | 197,749,000 |
| Interest-bearing deposits | 167,607,000 | 175,877,000 | 175,844,000 | 176,309,000 |
| Noninterest-bearing deposits | 20,794,000 | 21,225,000 | 19,961,000 | 21,440,000 |
| Equity capital | 18,819,000 | 19,067,000 | 19,790,000 | 20,063,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 4,466,000 | 8,841,000 | 13,211,000 | 17,536,000 |
| Interest expense | 2,302,000 | 4,511,000 | 6,684,000 | 8,582,000 |
| Net interest income | 2,164,000 | 4,330,000 | 6,527,000 | 8,954,000 |
| Noninterest income | 335,000 | 711,000 | 1,086,000 | 1,459,000 |
| Noninterest expense | 1,656,000 | 3,296,000 | 4,993,000 | 6,652,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 180,000 |
| Pretax income | 833,000 | 1,689,000 | 2,521,000 | 3,626,000 |
| Income tax | 270,000 | 547,000 | 812,000 | 1,191,000 |
| Net income | 563,000 | 1,142,000 | 1,709,000 | 2,435,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,564,000 | 18,805,000 | 19,372,000 | 19,748,000 |
| Total capital | 20,199,000 | 20,461,000 | 21,035,000 | 21,405,000 |
| Risk-weighted assets | 155,401,000 | 159,799,000 | 159,492,000 | 163,153,000 |