Call reports 2006
NATIONAL BANK OF MIDDLEBURY — 2006
What NATIONAL BANK OF MIDDLEBURY reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 212,704,000 | 212,480,000 | 220,629,000 | 214,639,000 |
| Total loans | 144,170,000 | 147,057,000 | 150,776,000 | 148,993,000 |
| Allowance for loan losses | 1,469,000 | 1,514,000 | 1,495,000 | 1,502,000 |
| Securities available for sale | 42,123,000 | 40,387,000 | 42,040,000 | 41,232,000 |
| Securities held to maturity | 4,380,000 | 3,928,000 | 3,925,000 | 3,373,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 169,864,000 | 161,630,000 | 168,869,000 | 172,445,000 |
| Interest-bearing deposits | 159,566,000 | 153,050,000 | 159,767,000 | 162,448,000 |
| Noninterest-bearing deposits | 10,298,000 | 8,580,000 | 9,102,000 | 9,997,000 |
| Equity capital | 16,800,000 | 16,918,000 | 17,891,000 | 18,225,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 2,862,000 | 5,922,000 | 9,103,000 | 12,388,000 |
| Interest expense | 783,000 | 1,679,000 | 2,700,000 | 3,791,000 |
| Net interest income | 2,079,000 | 4,243,000 | 6,403,000 | 8,597,000 |
| Noninterest income | 322,000 | 680,000 | 1,073,000 | 1,468,000 |
| Noninterest expense | 1,865,000 | 3,730,000 | 5,642,000 | 7,655,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 536,000 | 1,193,000 | 1,834,000 | 2,410,000 |
| Income tax | 100,000 | 242,000 | 376,000 | 465,000 |
| Net income | 436,000 | 951,000 | 1,458,000 | 1,945,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,581,000 | 17,939,000 | 18,285,000 | 18,614,000 |
| Total capital | 19,170,000 | 19,573,000 | 19,900,000 | 20,236,000 |
| Risk-weighted assets | 148,102,000 | 146,547,000 | 149,605,000 | 146,160,000 |