Call reports 2010
NATIONAL BANK OF MIDDLEBURY — 2010
What NATIONAL BANK OF MIDDLEBURY reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 262,077,000 | 267,983,000 | 275,314,000 | 273,219,000 |
| Total loans | 185,764,000 | 184,897,000 | 186,675,000 | 182,809,000 |
| Allowance for loan losses | 2,246,000 | 2,257,000 | 2,555,000 | 2,386,000 |
| Securities available for sale | 50,903,000 | 56,534,000 | 58,679,000 | 54,283,000 |
| Securities held to maturity | 1,086,000 | 1,086,000 | 1,086,000 | 1,086,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 219,937,000 | 219,296,000 | 224,295,000 | 230,552,000 |
| Interest-bearing deposits | 211,625,000 | 210,046,000 | 215,034,000 | 220,504,000 |
| Noninterest-bearing deposits | 8,312,000 | 9,250,000 | 9,261,000 | 10,048,000 |
| Equity capital | 22,251,000 | 22,855,000 | 23,212,000 | 23,101,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 2,895,000 | 5,817,000 | 8,793,000 | 11,612,000 |
| Interest expense | 508,000 | 967,000 | 1,403,000 | 1,797,000 |
| Net interest income | 2,387,000 | 4,850,000 | 7,390,000 | 9,815,000 |
| Noninterest income | 452,000 | 1,012,000 | 1,737,000 | 2,621,000 |
| Noninterest expense | 2,510,000 | 5,051,000 | 7,613,000 | 10,044,000 |
| Provision for loan losses | 100,000 | 210,000 | 510,000 | 662,000 |
| Pretax income | 229,000 | 601,000 | 1,149,000 | 1,875,000 |
| Income tax | -30,000 | -10,000 | 70,000 | 210,000 |
| Net income | 259,000 | 611,000 | 1,079,000 | 1,665,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,999,000 | 21,187,000 | 21,491,000 | 21,912,000 |
| Total capital | 23,345,000 | 23,542,000 | 23,864,000 | 24,230,000 |
| Risk-weighted assets | 187,601,000 | 188,367,000 | 189,545,000 | 185,251,000 |