Call reports 2013
NATIONAL BANK OF MIDDLEBURY — 2013
What NATIONAL BANK OF MIDDLEBURY reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 294,477,000 | 289,841,000 | 299,435,000 | 301,363,000 |
| Total loans | 178,806,000 | 175,354,000 | 177,657,000 | 185,162,000 |
| Allowance for loan losses | 2,487,000 | 2,482,000 | 2,493,000 | 2,369,000 |
| Securities available for sale | 58,478,000 | 65,768,000 | 67,696,000 | 75,140,000 |
| Securities held to maturity | 587,000 | 315,000 | 315,000 | 315,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 254,702,000 | 251,560,000 | 260,706,000 | 260,304,000 |
| Interest-bearing deposits | 242,086,000 | 239,057,000 | 247,763,000 | 247,712,000 |
| Noninterest-bearing deposits | 12,616,000 | 12,503,000 | 12,943,000 | 12,592,000 |
| Equity capital | 27,141,000 | 26,825,000 | 27,063,000 | 26,956,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 2,454,000 | 4,864,000 | 7,326,000 | 9,767,000 |
| Interest expense | 220,000 | 418,000 | 608,000 | 787,000 |
| Net interest income | 2,234,000 | 4,446,000 | 6,718,000 | 8,980,000 |
| Noninterest income | 879,000 | 1,732,000 | 2,409,000 | 3,061,000 |
| Noninterest expense | 2,349,000 | 4,751,000 | 7,231,000 | 9,829,000 |
| Provision for loan losses | 45,000 | 45,000 | 90,000 | 90,000 |
| Pretax income | 719,000 | 1,382,000 | 1,809,000 | 2,125,000 |
| Income tax | 151,000 | 283,000 | 337,000 | 349,000 |
| Net income | 568,000 | 1,099,000 | 1,472,000 | 1,776,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,580,000 | 25,952,000 | 26,157,000 | 26,295,000 |
| Total capital | 27,917,000 | 28,297,000 | 28,479,000 | 28,726,000 |
| Risk-weighted assets | 186,678,000 | 187,322,000 | 185,434,000 | 194,380,000 |