Call reports 2011
NATIONAL BANK OF MIDDLEBURY — 2011
What NATIONAL BANK OF MIDDLEBURY reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 267,679,000 | 264,506,000 | 271,877,000 | 284,854,000 |
| Total loans | 180,849,000 | 181,760,000 | 180,819,000 | 180,736,000 |
| Allowance for loan losses | 2,465,000 | 2,466,000 | 2,466,000 | 2,422,000 |
| Securities available for sale | 61,364,000 | 59,822,000 | 62,745,000 | 69,436,000 |
| Securities held to maturity | 1,086,000 | 1,086,000 | 1,086,000 | 1,087,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 227,158,000 | 220,994,000 | 232,733,000 | 242,372,000 |
| Interest-bearing deposits | 217,181,000 | 210,617,000 | 222,370,000 | 230,295,000 |
| Noninterest-bearing deposits | 9,977,000 | 10,377,000 | 10,363,000 | 12,077,000 |
| Equity capital | 23,340,000 | 24,177,000 | 24,767,000 | 25,183,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 2,730,000 | 5,563,000 | 8,286,000 | 11,033,000 |
| Interest expense | 362,000 | 703,000 | 1,030,000 | 1,349,000 |
| Net interest income | 2,368,000 | 4,860,000 | 7,256,000 | 9,684,000 |
| Noninterest income | 661,000 | 1,284,000 | 1,919,000 | 2,840,000 |
| Noninterest expense | 2,501,000 | 4,890,000 | 7,187,000 | 9,792,000 |
| Provision for loan losses | 80,000 | 80,000 | 80,000 | 80,000 |
| Pretax income | 448,000 | 1,174,000 | 1,907,000 | 2,660,000 |
| Income tax | 50,000 | 194,000 | 339,000 | 502,000 |
| Net income | 398,000 | 980,000 | 1,568,000 | 2,158,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,145,000 | 22,566,000 | 22,898,000 | 23,318,000 |
| Total capital | 24,434,000 | 24,840,000 | 25,187,000 | 25,625,000 |
| Risk-weighted assets | 182,767,000 | 181,544,000 | 182,774,000 | 184,264,000 |