Call reports 2022
NATIONAL BANK OF MIDDLEBURY — 2022
What NATIONAL BANK OF MIDDLEBURY reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 531,651,000 | 532,831,000 | 538,969,000 | 534,246,000 |
| Total loans | 284,192,000 | 291,783,000 | 302,728,000 | 310,667,000 |
| Allowance for loan losses | 3,123,000 | 2,821,000 | 2,809,000 | 2,806,000 |
| Securities available for sale | 190,427,000 | 185,575,000 | 175,434,000 | 179,791,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 472,420,000 | 476,559,000 | 499,382,000 | 499,882,000 |
| Interest-bearing deposits | 455,025,000 | 456,437,000 | 480,365,000 | 479,756,000 |
| Noninterest-bearing deposits | 17,395,000 | 20,122,000 | 19,017,000 | 20,126,000 |
| Equity capital | 32,835,000 | 27,657,000 | 21,431,000 | 24,487,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 3,261,000 | 6,733,000 | 10,550,000 | 14,639,000 |
| Interest expense | 48,000 | 112,000 | 226,000 | 315,000 |
| Net interest income | 3,213,000 | 6,621,000 | 10,324,000 | 14,324,000 |
| Noninterest income | 835,000 | 1,626,000 | 2,432,000 | 3,308,000 |
| Noninterest expense | 3,371,000 | 6,856,000 | 10,339,000 | 14,550,000 |
| Provision for loan losses | 0 | -300,000 | -311,000 | -311,000 |
| Pretax income | 677,000 | 1,691,000 | 2,728,000 | 3,393,000 |
| Income tax | 42,000 | 191,000 | 257,000 | 260,000 |
| Net income | 635,000 | 1,500,000 | 2,471,000 | 3,133,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 42,153,000 | 42,776,000 | 43,502,000 | 43,922,000 |
| Total capital | 45,411,000 | 45,732,000 | 46,457,000 | 46,875,000 |
| Risk-weighted assets | 279,510,000 | 281,101,000 | 294,200,000 | 298,825,000 |