Call reports 2019
NATIONAL BANK OF MIDDLEBURY — 2019
What NATIONAL BANK OF MIDDLEBURY reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 369,988,000 | 369,409,000 | 382,857,000 | 389,872,000 |
| Total loans | 254,817,000 | 262,393,000 | 270,821,000 | 266,071,000 |
| Allowance for loan losses | 2,248,000 | 2,249,000 | 2,303,000 | 2,548,000 |
| Securities available for sale | 75,034,000 | 74,028,000 | 74,595,000 | 75,094,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 321,535,000 | 315,494,000 | 331,307,000 | 334,591,000 |
| Interest-bearing deposits | 307,540,000 | 301,991,000 | 317,427,000 | 319,425,000 |
| Noninterest-bearing deposits | 13,995,000 | 13,503,000 | 13,880,000 | 15,166,000 |
| Equity capital | 33,876,000 | 35,344,000 | 36,209,000 | 36,492,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 3,374,000 | 6,950,000 | 10,504,000 | 14,007,000 |
| Interest expense | 190,000 | 431,000 | 730,000 | 1,018,000 |
| Net interest income | 3,184,000 | 6,519,000 | 9,774,000 | 12,989,000 |
| Noninterest income | 679,000 | 1,386,000 | 2,293,000 | 3,156,000 |
| Noninterest expense | 2,790,000 | 5,627,000 | 8,443,000 | 11,424,000 |
| Provision for loan losses | 63,000 | 63,000 | 276,000 | 576,000 |
| Pretax income | 1,011,000 | 2,216,000 | 3,416,000 | 4,216,000 |
| Income tax | 162,000 | 367,000 | 555,000 | 657,000 |
| Net income | 849,000 | 1,849,000 | 2,861,000 | 3,559,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,127,000 | 34,915,000 | 35,709,000 | 36,188,000 |
| Total capital | 36,515,000 | 37,304,000 | 38,152,000 | 38,876,000 |
| Risk-weighted assets | 240,561,000 | 244,896,000 | 247,698,000 | 246,177,000 |