Call reports 2009
NATIONAL BANK OF MIDDLEBURY — 2009
What NATIONAL BANK OF MIDDLEBURY reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 255,887,000 | 253,977,000 | 263,040,000 | 275,358,000 |
| Total loans | 185,743,000 | 185,449,000 | 188,319,000 | 189,386,000 |
| Allowance for loan losses | 1,772,000 | 1,846,000 | 1,914,000 | 2,264,000 |
| Securities available for sale | 37,061,000 | 40,039,000 | 41,858,000 | 48,241,000 |
| Securities held to maturity | 1,587,000 | 1,587,000 | 1,086,000 | 1,086,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 210,580,000 | 208,708,000 | 217,251,000 | 226,165,000 |
| Interest-bearing deposits | 202,555,000 | 199,543,000 | 207,748,000 | 216,963,000 |
| Noninterest-bearing deposits | 8,024,000 | 9,165,000 | 9,503,000 | 9,202,000 |
| Equity capital | 21,382,000 | 21,629,000 | 22,418,000 | 22,127,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 3,126,000 | 6,218,000 | 9,270,000 | 12,319,000 |
| Interest expense | 698,000 | 1,392,000 | 2,029,000 | 2,602,000 |
| Net interest income | 2,428,000 | 4,826,000 | 7,241,000 | 9,717,000 |
| Noninterest income | 445,000 | 1,082,000 | 1,689,000 | 2,261,000 |
| Noninterest expense | 2,432,000 | 4,880,000 | 7,295,000 | 9,858,000 |
| Provision for loan losses | 90,000 | 180,000 | 295,000 | 653,000 |
| Pretax income | 351,000 | 850,000 | 1,342,000 | 1,660,000 |
| Income tax | 7,000 | 63,000 | 120,000 | 104,000 |
| Net income | 344,000 | 787,000 | 1,222,000 | 1,556,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,173,000 | 20,445,000 | 20,713,000 | 20,899,000 |
| Total capital | 22,066,000 | 22,412,000 | 22,754,000 | 23,291,000 |
| Risk-weighted assets | 190,063,000 | 186,002,000 | 188,686,000 | 191,339,000 |