Call reports 2017
NATIONAL BANK OF MIDDLEBURY — 2017
What NATIONAL BANK OF MIDDLEBURY reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 345,842,000 | 340,012,000 | 356,053,000 | 364,254,000 |
| Total loans | 226,717,000 | 233,579,000 | 236,426,000 | 238,673,000 |
| Allowance for loan losses | 2,081,000 | 2,101,000 | 2,083,000 | 2,087,000 |
| Securities available for sale | 76,662,000 | 74,610,000 | 75,499,000 | 78,713,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 304,952,000 | 297,580,000 | 312,696,000 | 321,613,000 |
| Interest-bearing deposits | 290,065,000 | 284,183,000 | 299,543,000 | 305,768,000 |
| Noninterest-bearing deposits | 14,887,000 | 13,397,000 | 13,153,000 | 15,845,000 |
| Equity capital | 29,904,000 | 30,447,000 | 30,925,000 | 30,696,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 2,704,000 | 5,476,000 | 8,351,000 | 11,539,000 |
| Interest expense | 91,000 | 168,000 | 258,000 | 350,000 |
| Net interest income | 2,613,000 | 5,308,000 | 8,093,000 | 11,189,000 |
| Noninterest income | 775,000 | 1,464,000 | 2,226,000 | 2,913,000 |
| Noninterest expense | 2,561,000 | 5,135,000 | 7,726,000 | 10,443,000 |
| Provision for loan losses | 20,000 | 40,000 | 40,000 | 40,000 |
| Pretax income | 807,000 | 1,597,000 | 2,553,000 | 3,619,000 |
| Income tax | 218,000 | 430,000 | 699,000 | 1,355,000 |
| Net income | 589,000 | 1,167,000 | 1,854,000 | 2,264,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,836,000 | 30,233,000 | 30,853,000 | 31,148,000 |
| Total capital | 32,070,000 | 32,487,000 | 33,089,000 | 33,388,000 |
| Risk-weighted assets | 215,623,000 | 221,095,000 | 221,074,000 | 221,694,000 |