Call reports 2012
NATIONAL BANK OF MIDDLEBURY — 2012
What NATIONAL BANK OF MIDDLEBURY reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 279,361,000 | 278,894,000 | 287,709,000 | 300,823,000 |
| Total loans | 183,168,000 | 180,479,000 | 186,257,000 | 184,799,000 |
| Allowance for loan losses | 2,423,000 | 2,401,000 | 2,402,000 | 2,442,000 |
| Securities available for sale | 67,909,000 | 66,654,000 | 64,219,000 | 56,441,000 |
| Securities held to maturity | 1,087,000 | 1,087,000 | 1,087,000 | 587,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 239,240,000 | 237,776,000 | 247,267,000 | 258,097,000 |
| Interest-bearing deposits | 228,523,000 | 226,547,000 | 235,364,000 | 242,990,000 |
| Noninterest-bearing deposits | 10,717,000 | 11,229,000 | 11,903,000 | 15,107,000 |
| Equity capital | 25,676,000 | 26,168,000 | 26,755,000 | 26,885,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,705,000 | 5,360,000 | 8,014,000 | 10,653,000 |
| Interest expense | 304,000 | 587,000 | 857,000 | 1,104,000 |
| Net interest income | 2,401,000 | 4,773,000 | 7,157,000 | 9,549,000 |
| Noninterest income | 774,000 | 1,631,000 | 2,608,000 | 3,703,000 |
| Noninterest expense | 2,289,000 | 4,678,000 | 7,141,000 | 9,698,000 |
| Provision for loan losses | 0 | 0 | 0 | 278,000 |
| Pretax income | 886,000 | 1,726,000 | 2,624,000 | 3,276,000 |
| Income tax | 217,000 | 406,000 | 612,000 | 714,000 |
| Net income | 669,000 | 1,320,000 | 2,012,000 | 2,562,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,813,000 | 24,295,000 | 24,810,000 | 25,184,000 |
| Total capital | 26,130,000 | 26,618,000 | 27,184,000 | 27,542,000 |
| Risk-weighted assets | 185,083,000 | 185,624,000 | 189,776,000 | 188,376,000 |