Call reports 2014
NATIONAL BANK OF MIDDLEBURY — 2014
What NATIONAL BANK OF MIDDLEBURY reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 294,446,000 | 298,841,000 | 307,860,000 | 319,067,000 |
| Total loans | 182,957,000 | 182,643,000 | 191,341,000 | 193,952,000 |
| Allowance for loan losses | 2,097,000 | 2,091,000 | 2,067,000 | 2,053,000 |
| Securities available for sale | 81,033,000 | 86,463,000 | 87,667,000 | 90,767,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 253,743,000 | 256,373,000 | 266,429,000 | 276,308,000 |
| Interest-bearing deposits | 241,563,000 | 243,465,000 | 253,575,000 | 262,020,000 |
| Noninterest-bearing deposits | 12,180,000 | 12,908,000 | 12,854,000 | 14,288,000 |
| Equity capital | 27,095,000 | 27,642,000 | 27,443,000 | 27,866,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 2,393,000 | 4,844,000 | 7,374,000 | 9,901,000 |
| Interest expense | 167,000 | 333,000 | 495,000 | 647,000 |
| Net interest income | 2,226,000 | 4,511,000 | 6,879,000 | 9,254,000 |
| Noninterest income | 577,000 | 1,266,000 | 1,937,000 | 2,609,000 |
| Noninterest expense | 2,474,000 | 4,959,000 | 7,504,000 | 10,126,000 |
| Provision for loan losses | 0 | 0 | 100,000 | 100,000 |
| Pretax income | 392,000 | 881,000 | 1,301,000 | 1,726,000 |
| Income tax | 53,000 | 141,000 | 209,000 | 271,000 |
| Net income | 339,000 | 740,000 | 1,092,000 | 1,455,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,470,000 | 26,704,000 | 26,887,000 | 27,085,000 |
| Total capital | 28,712,000 | 28,940,000 | 29,099,000 | 29,283,000 |
| Risk-weighted assets | 188,945,000 | 187,767,000 | 194,858,000 | 196,854,000 |