Call reports 2010
FIRST STATE BANK OF MIDDLEBURY — 2010
What FIRST STATE BANK OF MIDDLEBURY reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 388,978,000 | 395,809,000 | 396,356,000 | 389,714,000 |
| Total loans | 293,276,000 | 293,390,000 | 287,764,000 | 285,045,000 |
| Allowance for loan losses | 5,933,000 | 5,941,000 | 6,232,000 | 6,468,000 |
| Securities available for sale | 25,078,000 | 21,033,000 | 26,189,000 | 26,020,000 |
| Securities held to maturity | 32,806,000 | 34,104,000 | 33,923,000 | 35,110,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 293,294,000 | 306,907,000 | 310,434,000 | 305,557,000 |
| Interest-bearing deposits | 259,628,000 | 271,549,000 | 269,145,000 | 269,626,000 |
| Noninterest-bearing deposits | 33,666,000 | 35,358,000 | 41,289,000 | 35,931,000 |
| Equity capital | 34,280,000 | 34,948,000 | 35,365,000 | 34,993,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 4,973,000 | 10,023,000 | 14,931,000 | 19,810,000 |
| Interest expense | 1,587,000 | 3,120,000 | 4,592,000 | 5,951,000 |
| Net interest income | 3,386,000 | 6,903,000 | 10,339,000 | 13,859,000 |
| Noninterest income | 655,000 | 1,324,000 | 1,929,000 | 2,561,000 |
| Noninterest expense | 2,838,000 | 5,762,000 | 8,644,000 | 11,600,000 |
| Provision for loan losses | 602,000 | 1,202,000 | 1,807,000 | 2,706,000 |
| Pretax income | 601,000 | 1,475,000 | 2,029,000 | 2,375,000 |
| Income tax | 76,000 | 238,000 | 298,000 | 289,000 |
| Net income | 525,000 | 1,237,000 | 1,731,000 | 2,086,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,307,000 | 34,869,000 | 35,132,000 | 35,188,000 |
| Total capital | 37,911,000 | 38,488,000 | 38,759,000 | 38,778,000 |
| Risk-weighted assets | 285,968,000 | 287,212,000 | 287,566,000 | 284,309,000 |