Call reports 2002
FIRST STATE BANK OF MIDDLEBURY — 2002
What FIRST STATE BANK OF MIDDLEBURY 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 | 244,051,000 | 249,844,000 | 249,700,000 | 263,702,000 |
| Total loans | 184,610,000 | 189,860,000 | 188,508,000 | 186,337,000 |
| Allowance for loan losses | 1,639,000 | 1,713,000 | 1,762,000 | 1,859,000 |
| Securities available for sale | 28,380,000 | 25,824,000 | 29,375,000 | 33,707,000 |
| Securities held to maturity | 11,178,000 | 12,155,000 | 12,954,000 | 15,657,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 199,088,000 | 201,189,000 | 195,164,000 | 207,278,000 |
| Interest-bearing deposits | 175,878,000 | 178,544,000 | 172,190,000 | 181,904,000 |
| Noninterest-bearing deposits | 23,210,000 | 22,645,000 | 22,974,000 | 25,374,000 |
| Equity capital | 20,618,000 | 21,246,000 | 22,022,000 | 22,100,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 4,005,000 | 7,966,000 | 11,915,000 | 15,817,000 |
| Interest expense | 1,643,000 | 3,218,000 | 4,734,000 | 6,145,000 |
| Net interest income | 2,362,000 | 4,748,000 | 7,181,000 | 9,672,000 |
| Noninterest income | 387,000 | 858,000 | 1,337,000 | 1,850,000 |
| Noninterest expense | 1,694,000 | 3,422,000 | 5,219,000 | 7,084,000 |
| Provision for loan losses | 60,000 | 160,000 | 220,000 | 320,000 |
| Pretax income | 995,000 | 2,024,000 | 3,079,000 | 4,118,000 |
| Income tax | 335,000 | 688,000 | 1,028,000 | 1,347,000 |
| Net income | 660,000 | 1,336,000 | 2,051,000 | 2,771,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,408,000 | 20,834,000 | 21,549,000 | 21,669,000 |
| Total capital | 22,047,000 | 22,547,000 | 23,311,000 | 23,528,000 |
| Risk-weighted assets | 166,636,000 | 172,369,000 | 171,875,000 | 175,610,000 |