Call reports 2007
NATIONAL BANK OF MIDDLEBURY — 2007
What NATIONAL BANK OF MIDDLEBURY reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 215,880,000 | 217,163,000 | 217,475,000 | 222,667,000 |
| Total loans | 153,293,000 | 154,137,000 | 157,825,000 | 158,547,000 |
| Allowance for loan losses | 1,501,000 | 1,501,000 | 1,501,000 | 1,501,000 |
| Securities available for sale | 40,103,000 | 38,791,000 | 36,307,000 | 34,449,000 |
| Securities held to maturity | 3,371,000 | 3,369,000 | 3,367,000 | 2,510,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 170,217,000 | 177,211,000 | 179,029,000 | 181,841,000 |
| Interest-bearing deposits | 160,119,000 | 167,504,000 | 170,241,000 | 172,872,000 |
| Noninterest-bearing deposits | 10,098,000 | 9,707,000 | 8,788,000 | 8,969,000 |
| Equity capital | 18,594,000 | 18,636,000 | 19,202,000 | 19,729,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 3,130,000 | 6,363,000 | 9,665,000 | 12,935,000 |
| Interest expense | 1,067,000 | 2,178,000 | 3,285,000 | 4,354,000 |
| Net interest income | 2,063,000 | 4,185,000 | 6,380,000 | 8,581,000 |
| Noninterest income | 368,000 | 761,000 | 1,160,000 | 1,601,000 |
| Noninterest expense | 1,924,000 | 3,898,000 | 5,942,000 | 8,185,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 507,000 | 1,048,000 | 1,598,000 | 1,997,000 |
| Income tax | 88,000 | 186,000 | 285,000 | 246,000 |
| Net income | 419,000 | 862,000 | 1,313,000 | 1,751,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,875,000 | 19,149,000 | 19,431,000 | 19,698,000 |
| Total capital | 20,496,000 | 20,770,000 | 21,052,000 | 21,319,000 |
| Risk-weighted assets | 149,649,000 | 153,475,000 | 156,884,000 | 159,206,000 |