Call reports 2024
NATIONAL BANK OF MIDDLEBURY — 2024
What NATIONAL BANK OF MIDDLEBURY reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 560,771,000 | 555,322,000 | 558,754,000 | 547,799,000 |
| Total loans | 341,836,000 | 346,288,000 | 346,673,000 | 348,836,000 |
| Allowance for loan losses | 1,407,000 | 1,415,000 | 1,418,000 | 1,350,000 |
| Securities available for sale | 168,716,000 | 162,613,000 | 165,500,000 | 153,485,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 481,992,000 | 475,950,000 | 473,501,000 | 491,990,000 |
| Interest-bearing deposits | 463,266,000 | 457,354,000 | 453,064,000 | 470,809,000 |
| Noninterest-bearing deposits | 18,726,000 | 18,596,000 | 20,437,000 | 21,181,000 |
| Equity capital | 30,328,000 | 30,528,000 | 36,242,000 | 33,538,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 5,049,000 | 10,216,000 | 15,929,000 | 21,345,000 |
| Interest expense | 1,492,000 | 3,054,000 | 4,681,000 | 6,241,000 |
| Net interest income | 3,557,000 | 7,162,000 | 11,248,000 | 15,104,000 |
| Noninterest income | 943,000 | 1,912,000 | 3,091,000 | 4,129,000 |
| Noninterest expense | 3,799,000 | 7,637,000 | 11,557,000 | 15,539,000 |
| Provision for loan losses | 31,000 | 49,000 | 17,000 | -47,000 |
| Pretax income | 680,000 | 1,402,000 | 2,778,000 | 3,750,000 |
| Income tax | 20,000 | 48,000 | 219,000 | 289,000 |
| Net income | 660,000 | 1,354,000 | 2,559,000 | 3,461,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 47,023,000 | 47,502,000 | 48,491,000 | 49,178,000 |
| Total capital | 48,493,000 | 48,976,000 | 49,968,000 | 50,591,000 |
| Risk-weighted assets | 328,579,000 | 330,410,000 | 328,635,000 | 327,924,000 |