Call reports 2004
NATIONAL BANK OF MIDDLEBURY — 2004
What NATIONAL BANK OF MIDDLEBURY reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 179,094,000 | 179,600,000 | 180,523,000 | 184,175,000 |
| Total loans | 123,823,000 | 125,997,000 | 125,515,000 | 127,641,000 |
| Allowance for loan losses | 1,620,000 | 1,621,000 | 1,409,000 | 1,508,000 |
| Securities available for sale | 35,125,000 | 31,719,000 | 30,448,000 | 34,107,000 |
| Securities held to maturity | 4,394,000 | 5,476,000 | 5,472,000 | 5,468,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 145,864,000 | 152,177,000 | 155,409,000 | 153,996,000 |
| Interest-bearing deposits | 136,601,000 | 141,892,000 | 145,466,000 | 144,983,000 |
| Noninterest-bearing deposits | 9,263,000 | 10,285,000 | 9,943,000 | 9,013,000 |
| Equity capital | 15,379,000 | 15,082,000 | 15,766,000 | 16,025,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 2,164,000 | 4,344,000 | 6,588,000 | 8,920,000 |
| Interest expense | 313,000 | 565,000 | 846,000 | 1,140,000 |
| Net interest income | 1,851,000 | 3,779,000 | 5,742,000 | 7,780,000 |
| Noninterest income | 273,000 | 602,000 | 888,000 | 1,196,000 |
| Noninterest expense | 1,588,000 | 3,166,000 | 5,041,000 | 6,626,000 |
| Provision for loan losses | 30,000 | 30,000 | -184,000 | -70,000 |
| Pretax income | 506,000 | 1,197,000 | 1,785,000 | 2,432,000 |
| Income tax | 135,000 | 327,000 | 479,000 | 609,000 |
| Net income | 371,000 | 870,000 | 1,306,000 | 1,823,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,932,000 | 15,290,000 | 15,582,000 | 15,958,000 |
| Total capital | 16,378,000 | 16,786,000 | 17,079,000 | 17,500,000 |
| Risk-weighted assets | 115,501,000 | 119,555,000 | 119,608,000 | 123,245,000 |