Call reports 2002
NATIONAL BANK OF MIDDLEBURY — 2002
What NATIONAL BANK OF MIDDLEBURY reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 161,367,000 | 157,120,000 | 167,339,000 | 177,176,000 |
| Total loans | 115,667,000 | 115,141,000 | 117,827,000 | 120,550,000 |
| Allowance for loan losses | 1,316,000 | 1,377,000 | 1,437,000 | 1,456,000 |
| Securities available for sale | 28,354,000 | 27,812,000 | 29,486,000 | 28,312,000 |
| Securities held to maturity | 2,183,000 | 2,182,000 | 2,181,000 | 2,180,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 136,099,000 | 134,222,000 | 141,617,000 | 149,216,000 |
| Interest-bearing deposits | 118,361,000 | 117,839,000 | 123,008,000 | 128,111,000 |
| Noninterest-bearing deposits | 17,738,000 | 16,383,000 | 18,609,000 | 21,105,000 |
| Equity capital | 12,859,000 | 13,479,000 | 13,809,000 | 14,109,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 2,446,000 | 4,913,000 | 7,401,000 | 9,873,000 |
| Interest expense | 705,000 | 1,394,000 | 2,026,000 | 2,557,000 |
| Net interest income | 1,741,000 | 3,519,000 | 5,375,000 | 7,316,000 |
| Noninterest income | 177,000 | 380,000 | 593,000 | 875,000 |
| Noninterest expense | 1,353,000 | 2,844,000 | 4,285,000 | 5,852,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 240,000 |
| Pretax income | 533,000 | 963,000 | 1,517,000 | 2,113,000 |
| Income tax | 158,000 | 281,000 | 444,000 | 581,000 |
| Net income | 375,000 | 816,000 | 1,207,000 | 1,666,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,634,000 | 12,949,000 | 13,215,000 | 13,549,000 |
| Total capital | 13,906,000 | 14,205,000 | 14,483,000 | 14,855,000 |
| Risk-weighted assets | 101,753,000 | 100,334,000 | 101,242,000 | 104,356,000 |