Call reports 2018
NATIONAL BANK OF MIDDLEBURY — 2018
What NATIONAL BANK OF MIDDLEBURY reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 358,035,000 | 355,118,000 | 356,419,000 | 370,312,000 |
| Total loans | 243,789,000 | 249,598,000 | 251,195,000 | 252,973,000 |
| Allowance for loan losses | 2,113,000 | 2,170,000 | 2,182,000 | 2,182,000 |
| Securities available for sale | 78,675,000 | 73,911,000 | 70,821,000 | 68,546,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 312,824,000 | 303,827,000 | 308,733,000 | 321,193,000 |
| Interest-bearing deposits | 300,673,000 | 288,978,000 | 296,235,000 | 306,338,000 |
| Noninterest-bearing deposits | 12,151,000 | 14,849,000 | 12,498,000 | 14,855,000 |
| Equity capital | 30,555,000 | 30,876,000 | 31,432,000 | 32,607,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 2,992,000 | 6,091,000 | 9,302,000 | 12,600,000 |
| Interest expense | 96,000 | 218,000 | 416,000 | 576,000 |
| Net interest income | 2,896,000 | 5,873,000 | 8,886,000 | 12,024,000 |
| Noninterest income | 689,000 | 1,370,000 | 2,128,000 | 2,843,000 |
| Noninterest expense | 2,740,000 | 5,440,000 | 8,064,000 | 10,882,000 |
| Provision for loan losses | 25,000 | 100,000 | 100,000 | 123,000 |
| Pretax income | 820,000 | 1,703,000 | 2,850,000 | 3,736,000 |
| Income tax | 123,000 | 259,000 | 450,000 | 562,000 |
| Net income | 697,000 | 1,444,000 | 2,400,000 | 3,174,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,640,000 | 32,184,000 | 32,928,000 | 33,490,000 |
| Total capital | 33,906,000 | 34,506,000 | 35,263,000 | 35,825,000 |
| Risk-weighted assets | 225,291,000 | 228,672,000 | 226,517,000 | 228,308,000 |