Call reports 2016
NATIONAL BANK OF MIDDLEBURY — 2016
What NATIONAL BANK OF MIDDLEBURY reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 325,253,000 | 328,867,000 | 336,634,000 | 346,316,000 |
| Total loans | 212,578,000 | 215,530,000 | 224,609,000 | 229,398,000 |
| Allowance for loan losses | 2,027,000 | 2,025,000 | 2,025,000 | 2,055,000 |
| Securities available for sale | 78,323,000 | 78,489,000 | 76,903,000 | 74,985,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 281,310,000 | 282,310,000 | 290,914,000 | 303,605,000 |
| Interest-bearing deposits | 267,076,000 | 267,712,000 | 275,581,000 | 285,267,000 |
| Noninterest-bearing deposits | 14,234,000 | 14,598,000 | 15,333,000 | 18,338,000 |
| Equity capital | 29,432,000 | 29,991,000 | 30,216,000 | 29,402,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 2,604,000 | 5,229,000 | 7,863,000 | 10,542,000 |
| Interest expense | 113,000 | 216,000 | 324,000 | 429,000 |
| Net interest income | 2,491,000 | 5,013,000 | 7,539,000 | 10,113,000 |
| Noninterest income | 627,000 | 1,370,000 | 2,210,000 | 3,048,000 |
| Noninterest expense | 2,587,000 | 5,252,000 | 7,882,000 | 10,518,000 |
| Provision for loan losses | 0 | 0 | 0 | 30,000 |
| Pretax income | 669,000 | 1,269,000 | 2,005,000 | 2,789,000 |
| Income tax | 174,000 | 318,000 | 499,000 | 677,000 |
| Net income | 495,000 | 951,000 | 1,506,000 | 2,112,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,295,000 | 28,577,000 | 28,947,000 | 29,369,000 |
| Total capital | 30,494,000 | 30,836,000 | 31,206,000 | 31,577,000 |
| Risk-weighted assets | 211,167,000 | 214,040,000 | 214,169,000 | 214,813,000 |