Call reports 2003
NATIONAL BANK OF MIDDLEBURY — 2003
What NATIONAL BANK OF MIDDLEBURY reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 171,007,000 | 171,602,000 | 177,784,000 | 177,204,000 |
| Total loans | 123,587,000 | 124,821,000 | 123,209,000 | 123,948,000 |
| Allowance for loan losses | 1,505,000 | 1,556,000 | 1,579,000 | 1,589,000 |
| Securities available for sale | 32,999,000 | 33,845,000 | 36,616,000 | 37,557,000 |
| Securities held to maturity | 2,179,000 | 2,179,000 | 2,178,000 | 4,399,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 141,845,000 | 146,127,000 | 149,729,000 | 149,883,000 |
| Interest-bearing deposits | 132,497,000 | 133,529,000 | 137,186,000 | 139,017,000 |
| Noninterest-bearing deposits | 9,348,000 | 12,598,000 | 12,543,000 | 10,866,000 |
| Equity capital | 14,293,000 | 14,648,000 | 14,776,000 | 15,003,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 2,248,000 | 4,551,000 | 6,742,000 | 8,948,000 |
| Interest expense | 452,000 | 850,000 | 1,209,000 | 1,535,000 |
| Net interest income | 1,796,000 | 3,701,000 | 5,533,000 | 7,413,000 |
| Noninterest income | 271,000 | 599,000 | 972,000 | 1,225,000 |
| Noninterest expense | 1,485,000 | 2,987,000 | 4,543,000 | 5,999,000 |
| Provision for loan losses | 60,000 | 110,000 | 140,000 | 170,000 |
| Pretax income | 522,000 | 1,203,000 | 1,822,000 | 2,469,000 |
| Income tax | 153,000 | 360,000 | 545,000 | 735,000 |
| Net income | 369,000 | 843,000 | 1,277,000 | 1,734,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,773,000 | 14,001,000 | 14,404,000 | 14,579,000 |
| Total capital | 15,054,000 | 15,291,000 | 15,726,000 | 16,001,000 |
| Risk-weighted assets | 102,341,000 | 103,075,000 | 105,475,000 | 113,526,000 |