Call reports 2005
NATIONAL BANK OF MIDDLEBURY — 2005
What NATIONAL BANK OF MIDDLEBURY reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 196,072,000 | 197,040,000 | 204,006,000 | 209,073,000 |
| Total loans | 131,120,000 | 132,580,000 | 135,303,000 | 140,705,000 |
| Allowance for loan losses | 1,510,000 | 1,511,000 | 1,494,000 | 1,467,000 |
| Securities available for sale | 40,954,000 | 41,267,000 | 41,525,000 | 43,453,000 |
| Securities held to maturity | 5,464,000 | 5,459,000 | 5,455,000 | 5,098,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 159,491,000 | 158,477,000 | 167,490,000 | 173,172,000 |
| Interest-bearing deposits | 150,299,000 | 149,481,000 | 158,560,000 | 162,411,000 |
| Noninterest-bearing deposits | 9,191,000 | 8,996,000 | 8,930,000 | 10,761,000 |
| Equity capital | 15,754,000 | 16,505,000 | 16,680,000 | 16,806,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 2,383,000 | 4,928,000 | 7,608,000 | 10,434,000 |
| Interest expense | 353,000 | 855,000 | 1,473,000 | 2,202,000 |
| Net interest income | 2,030,000 | 4,073,000 | 6,135,000 | 8,232,000 |
| Noninterest income | 280,000 | 589,000 | 942,000 | 1,284,000 |
| Noninterest expense | 1,734,000 | 3,504,000 | 5,232,000 | 7,178,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 576,000 | 1,158,000 | 1,845,000 | 2,338,000 |
| Income tax | 145,000 | 269,000 | 427,000 | 496,000 |
| Net income | 431,000 | 889,000 | 1,418,000 | 1,842,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,238,000 | 16,596,000 | 17,023,000 | 17,295,000 |
| Total capital | 17,858,000 | 18,227,000 | 18,637,000 | 18,882,000 |
| Risk-weighted assets | 129,585,000 | 132,326,000 | 136,120,000 | 146,018,000 |