Call reports 2005
FIRST STATE BANK OF MIDDLEBURY — 2005
What FIRST STATE BANK OF MIDDLEBURY 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 | 293,976,000 | 320,815,000 | 322,438,000 | 330,270,000 |
| Total loans | 218,909,000 | 237,283,000 | 237,871,000 | 243,262,000 |
| Allowance for loan losses | 2,105,000 | 2,196,000 | 2,245,000 | 2,189,000 |
| Securities available for sale | 33,534,000 | 32,432,000 | 35,658,000 | 34,214,000 |
| Securities held to maturity | 20,852,000 | 20,794,000 | 20,506,000 | 21,560,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 215,897,000 | 232,560,000 | 233,871,000 | 242,126,000 |
| Interest-bearing deposits | 187,214,000 | 201,949,000 | 201,862,000 | 208,717,000 |
| Noninterest-bearing deposits | 28,683,000 | 30,611,000 | 32,009,000 | 33,409,000 |
| Equity capital | 25,473,000 | 26,150,000 | 26,730,000 | 26,857,000 |
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 | 4,001,000 | 8,498,000 | 13,202,000 | 18,097,000 |
| Interest expense | 1,279,000 | 2,790,000 | 4,545,000 | 6,395,000 |
| Net interest income | 2,722,000 | 5,708,000 | 8,657,000 | 11,702,000 |
| Noninterest income | 549,000 | 1,119,000 | 1,736,000 | 2,401,000 |
| Noninterest expense | 2,078,000 | 4,332,000 | 6,620,000 | 8,941,000 |
| Provision for loan losses | 105,000 | 210,000 | 360,000 | 465,000 |
| Pretax income | 1,081,000 | 2,277,000 | 3,429,000 | 4,713,000 |
| Income tax | 321,000 | 682,000 | 975,000 | 1,308,000 |
| Net income | 760,000 | 1,595,000 | 2,454,000 | 3,405,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,770,000 | 26,320,000 | 26,931,000 | 27,311,000 |
| Total capital | 27,875,000 | 28,516,000 | 29,176,000 | 29,500,000 |
| Risk-weighted assets | 205,061,000 | 225,080,000 | 225,988,000 | 227,687,000 |