Call reports 2015
NATIONAL BANK OF MIDDLEBURY — 2015
What NATIONAL BANK OF MIDDLEBURY reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 314,825,000 | 318,471,000 | 324,850,000 | 335,765,000 |
| Total loans | 197,964,000 | 199,315,000 | 203,034,000 | 210,520,000 |
| Allowance for loan losses | 2,144,000 | 1,995,000 | 1,962,000 | 2,008,000 |
| Securities available for sale | 82,016,000 | 89,843,000 | 84,324,000 | 86,561,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 271,375,000 | 276,434,000 | 277,914,000 | 291,843,000 |
| Interest-bearing deposits | 257,001,000 | 260,450,000 | 264,117,000 | 275,538,000 |
| Noninterest-bearing deposits | 14,374,000 | 15,984,000 | 13,797,000 | 16,305,000 |
| Equity capital | 28,317,000 | 28,148,000 | 28,831,000 | 28,333,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,485,000 | 4,987,000 | 7,556,000 | 10,174,000 |
| Interest expense | 141,000 | 273,000 | 400,000 | 519,000 |
| Net interest income | 2,344,000 | 4,714,000 | 7,156,000 | 9,655,000 |
| Noninterest income | 604,000 | 1,352,000 | 2,068,000 | 2,734,000 |
| Noninterest expense | 2,531,000 | 5,094,000 | 7,648,000 | 10,243,000 |
| Provision for loan losses | 100,000 | 225,000 | 265,000 | 338,000 |
| Pretax income | 365,000 | 822,000 | 1,536,000 | 2,048,000 |
| Income tax | 49,000 | 135,000 | 310,000 | 409,000 |
| Net income | 316,000 | 687,000 | 1,226,000 | 1,639,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,284,000 | 27,477,000 | 27,837,000 | 28,070,000 |
| Total capital | 29,573,000 | 29,617,000 | 29,944,000 | 30,250,000 |
| Risk-weighted assets | 202,492,000 | 202,915,000 | 205,481,000 | 210,809,000 |