Call reports 2001
NATIONAL BANK OF MIDDLEBURY — 2001
What NATIONAL BANK OF MIDDLEBURY reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 146,637,000 | 144,399,000 | 154,327,000 | 162,158,000 |
| Total loans | 105,256,000 | 106,644,000 | 108,254,000 | 111,746,000 |
| Allowance for loan losses | 1,076,000 | 1,106,000 | 1,136,000 | 1,257,000 |
| Securities available for sale | 27,472,000 | 25,997,000 | 29,049,000 | 30,705,000 |
| Securities held to maturity | 2,608,000 | 2,356,000 | 2,185,000 | 2,184,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 116,258,000 | 119,420,000 | 127,632,000 | 134,149,000 |
| Interest-bearing deposits | 104,454,000 | 105,896,000 | 110,626,000 | 117,287,000 |
| Noninterest-bearing deposits | 11,804,000 | 13,524,000 | 17,006,000 | 16,861,000 |
| Equity capital | 11,460,000 | 11,959,000 | 12,807,000 | 12,842,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 2,747,000 | 5,459,000 | 8,112,000 | 10,706,000 |
| Interest expense | 1,220,000 | 2,280,000 | 3,208,000 | 4,021,000 |
| Net interest income | 1,527,000 | 3,179,000 | 4,904,000 | 6,685,000 |
| Noninterest income | 179,000 | 369,000 | 577,000 | 776,000 |
| Noninterest expense | 1,266,000 | 2,533,000 | 3,807,000 | 5,139,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 233,000 |
| Pretax income | 411,000 | 956,000 | 1,584,000 | 2,089,000 |
| Income tax | 117,000 | 278,000 | 446,000 | 579,000 |
| Net income | 294,000 | 678,000 | 1,138,000 | 1,510,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,552,000 | 11,811,000 | 12,137,000 | 12,383,000 |
| Total capital | 12,628,000 | 12,917,000 | 13,273,000 | 13,622,000 |
| Risk-weighted assets | 91,092,000 | 93,522,000 | 99,812,000 | 99,092,000 |