Call reports 2021
NATIONAL BANK OF MIDDLEBURY — 2021
What NATIONAL BANK OF MIDDLEBURY reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 515,861,000 | 520,880,000 | 540,404,000 | 548,686,000 |
| Total loans | 283,242,000 | 286,601,000 | 290,165,000 | 283,910,000 |
| Allowance for loan losses | 3,048,000 | 3,051,000 | 3,117,000 | 3,120,000 |
| Securities available for sale | 126,590,000 | 145,288,000 | 145,682,000 | 178,568,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 448,561,000 | 451,289,000 | 471,753,000 | 475,132,000 |
| Interest-bearing deposits | 428,866,000 | 432,255,000 | 453,479,000 | 455,582,000 |
| Noninterest-bearing deposits | 19,695,000 | 19,034,000 | 18,274,000 | 19,550,000 |
| Equity capital | 40,351,000 | 41,729,000 | 41,905,000 | 41,098,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 3,368,000 | 6,675,000 | 10,175,000 | 13,516,000 |
| Interest expense | 68,000 | 123,000 | 170,000 | 217,000 |
| Net interest income | 3,300,000 | 6,552,000 | 10,005,000 | 13,299,000 |
| Noninterest income | 1,138,000 | 2,180,000 | 3,388,000 | 4,154,000 |
| Noninterest expense | 3,090,000 | 5,972,000 | 9,520,000 | 13,382,000 |
| Provision for loan losses | 0 | 0 | 62,000 | 63,000 |
| Pretax income | 1,348,000 | 2,766,000 | 3,815,000 | 3,963,000 |
| Income tax | 196,000 | 402,000 | 541,000 | 464,000 |
| Net income | 1,152,000 | 2,364,000 | 3,274,000 | 3,499,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,188,000 | 41,156,000 | 41,824,000 | 41,761,000 |
| Total capital | 43,404,000 | 44,390,000 | 45,124,000 | 45,064,000 |
| Risk-weighted assets | 257,328,000 | 262,121,000 | 270,439,000 | 276,777,000 |