Call reports 2020
NATIONAL BANK OF MIDDLEBURY — 2020
What NATIONAL BANK OF MIDDLEBURY reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 400,640,000 | 441,681,000 | 474,360,000 | 485,242,000 |
| Total loans | 262,890,000 | 276,646,000 | 282,582,000 | 275,271,000 |
| Allowance for loan losses | 2,841,000 | 3,039,000 | 3,041,000 | 3,042,000 |
| Securities available for sale | 80,439,000 | 88,205,000 | 94,536,000 | 117,711,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 345,584,000 | 378,995,000 | 409,469,000 | 415,646,000 |
| Interest-bearing deposits | 333,167,000 | 361,531,000 | 391,339,000 | 398,811,000 |
| Noninterest-bearing deposits | 12,417,000 | 17,464,000 | 18,130,000 | 16,835,000 |
| Equity capital | 38,481,000 | 39,036,000 | 40,174,000 | 40,675,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 3,448,000 | 6,879,000 | 10,216,000 | 13,680,000 |
| Interest expense | 292,000 | 492,000 | 601,000 | 675,000 |
| Net interest income | 3,156,000 | 6,387,000 | 9,615,000 | 13,005,000 |
| Noninterest income | 769,000 | 1,753,000 | 3,319,000 | 4,459,000 |
| Noninterest expense | 2,972,000 | 5,961,000 | 9,016,000 | 12,554,000 |
| Provision for loan losses | 130,000 | 328,000 | 328,000 | 328,000 |
| Pretax income | 823,000 | 1,851,000 | 3,606,000 | 4,616,000 |
| Income tax | 91,000 | 219,000 | 504,000 | 622,000 |
| Net income | 732,000 | 1,632,000 | 3,102,000 | 3,994,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,694,000 | 37,366,000 | 38,611,000 | 39,278,000 |
| Total capital | 39,685,000 | 40,385,000 | 41,692,000 | 42,457,000 |
| Risk-weighted assets | 242,777,000 | 241,321,000 | 246,358,000 | 254,312,000 |