Call reports 2023
NATIONAL BANK OF MIDDLEBURY — 2023
What NATIONAL BANK OF MIDDLEBURY reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 537,695,000 | 549,189,000 | 554,170,000 | 560,588,000 |
| Total loans | 316,204,000 | 328,932,000 | 333,822,000 | 336,986,000 |
| Allowance for loan losses | 1,339,000 | 1,350,000 | 1,356,000 | 1,375,000 |
| Securities available for sale | 181,882,000 | 176,550,000 | 165,876,000 | 171,942,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 478,571,000 | 469,803,000 | 479,167,000 | 486,814,000 |
| Interest-bearing deposits | 460,500,000 | 449,492,000 | 460,813,000 | 467,512,000 |
| Noninterest-bearing deposits | 18,071,000 | 20,311,000 | 18,354,000 | 19,302,000 |
| Equity capital | 28,866,000 | 27,287,000 | 22,855,000 | 30,793,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 4,204,000 | 8,663,000 | 13,488,000 | 18,487,000 |
| Interest expense | 323,000 | 1,238,000 | 2,579,000 | 3,992,000 |
| Net interest income | 3,881,000 | 7,425,000 | 10,909,000 | 14,495,000 |
| Noninterest income | 887,000 | 1,763,000 | 2,725,000 | 3,553,000 |
| Noninterest expense | 3,906,000 | 7,844,000 | 11,865,000 | 15,622,000 |
| Provision for loan losses | -6,000 | 5,000 | 12,000 | 39,000 |
| Pretax income | 860,000 | 1,331,000 | 1,748,000 | 2,377,000 |
| Income tax | 58,000 | 34,000 | 1,000 | 6,000 |
| Net income | 802,000 | 1,297,000 | 1,747,000 | 2,371,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 45,710,000 | 45,961,000 | 46,169,000 | 46,578,000 |
| Total capital | 47,110,000 | 47,371,000 | 47,587,000 | 48,016,000 |
| Risk-weighted assets | 304,350,000 | 314,313,000 | 321,564,000 | 323,520,000 |