Call reports 2012
MIDDLETOWN VALLEY BANK — 2012
What MIDDLETOWN VALLEY BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 148,859,000 | 151,273,000 | 148,280,000 | 152,402,000 |
| Total loans | 67,631,000 | 65,120,000 | 64,288,000 | 65,648,000 |
| Allowance for loan losses | 1,952,000 | 1,770,000 | 1,703,000 | 1,614,000 |
| Securities available for sale | 55,967,000 | 54,746,000 | 65,438,000 | 62,941,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 130,325,000 | 132,093,000 | 128,838,000 | 133,326,000 |
| Interest-bearing deposits | 87,177,000 | 89,455,000 | 88,957,000 | 90,698,000 |
| Noninterest-bearing deposits | 43,148,000 | 42,638,000 | 39,881,000 | 42,628,000 |
| Equity capital | 18,314,000 | 18,429,000 | 18,691,000 | 18,311,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,362,000 | 2,661,000 | 3,894,000 | 5,106,000 |
| Interest expense | 48,000 | 96,000 | 139,000 | 180,000 |
| Net interest income | 1,314,000 | 2,565,000 | 3,755,000 | 4,926,000 |
| Noninterest income | 149,000 | 340,000 | 554,000 | 712,000 |
| Noninterest expense | 997,000 | 2,565,000 | 3,671,000 | 5,006,000 |
| Provision for loan losses | -27,000 | 0 | -51,000 | 112,000 |
| Pretax income | 493,000 | 340,000 | 689,000 | 521,000 |
| Income tax | 265,000 | 134,000 | 254,000 | 162,000 |
| Net income | 228,000 | 206,000 | 435,000 | 359,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,203,000 | 18,085,000 | 18,218,000 | 18,038,000 |
| Total capital | 19,011,000 | 18,919,000 | 19,049,000 | 18,882,000 |
| Risk-weighted assets | 63,463,000 | 65,709,000 | 65,515,000 | 66,729,000 |