Call reports 2009
FIRST STATE BANK OF MIDDLEBURY — 2009
What FIRST STATE BANK OF MIDDLEBURY reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 381,664,000 | 378,789,000 | 378,543,000 | 378,427,000 |
| Total loans | 296,650,000 | 295,162,000 | 294,541,000 | 291,507,000 |
| Allowance for loan losses | 3,727,000 | 3,674,000 | 4,410,000 | 5,609,000 |
| Securities available for sale | 21,130,000 | 22,374,000 | 21,899,000 | 23,047,000 |
| Securities held to maturity | 32,991,000 | 31,867,000 | 32,895,000 | 33,671,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 272,646,000 | 265,225,000 | 272,626,000 | 272,792,000 |
| Interest-bearing deposits | 242,338,000 | 235,021,000 | 237,660,000 | 240,734,000 |
| Noninterest-bearing deposits | 30,308,000 | 30,204,000 | 34,966,000 | 32,058,000 |
| Equity capital | 28,990,000 | 32,669,000 | 32,892,000 | 33,973,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 5,289,000 | 10,539,000 | 15,798,000 | 20,903,000 |
| Interest expense | 2,090,000 | 4,037,000 | 5,823,000 | 7,518,000 |
| Net interest income | 3,199,000 | 6,502,000 | 9,975,000 | 13,385,000 |
| Noninterest income | 701,000 | 1,469,000 | 1,917,000 | 2,558,000 |
| Noninterest expense | 2,961,000 | 5,903,000 | 8,743,000 | 11,520,000 |
| Provision for loan losses | 605,000 | 1,877,000 | 2,801,000 | 4,520,000 |
| Pretax income | 519,000 | 377,000 | 579,000 | 332,000 |
| Income tax | 57,000 | -117,000 | -179,000 | -389,000 |
| Net income | 462,000 | 494,000 | 758,000 | 721,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,073,000 | 32,655,000 | 32,570,000 | 34,132,000 |
| Total capital | 32,713,000 | 36,178,000 | 36,140,000 | 37,725,000 |
| Risk-weighted assets | 291,152,000 | 288,037,000 | 285,646,000 | 285,406,000 |