Call reports 2025
NATIONAL BANK OF MIDDLEBURY — 2025
What NATIONAL BANK OF MIDDLEBURY reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 547,001,000 | 552,605,000 | 555,394,000 | 556,957,000 |
| Total loans | 348,655,000 | 349,565,000 | 351,493,000 | 351,620,000 |
| Allowance for loan losses | 1,340,000 | 1,323,000 | 1,320,000 | 1,309,000 |
| Securities available for sale | 149,536,000 | 151,185,000 | 153,205,000 | 154,093,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 502,984,000 | 506,456,000 | 505,798,000 | 505,608,000 |
| Interest-bearing deposits | 484,957,000 | 485,192,000 | 482,093,000 | 483,743,000 |
| Noninterest-bearing deposits | 18,027,000 | 21,264,000 | 23,705,000 | 21,865,000 |
| Equity capital | 36,237,000 | 38,291,000 | 41,898,000 | 43,809,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 5,324,000 | 10,813,000 | 16,423,000 | 22,152,000 |
| Interest expense | 1,290,000 | 2,606,000 | 3,871,000 | 5,114,000 |
| Net interest income | 4,034,000 | 8,207,000 | 12,552,000 | 17,038,000 |
| Noninterest income | 1,086,000 | 2,282,000 | 4,181,000 | 5,463,000 |
| Noninterest expense | 3,986,000 | 8,012,000 | 11,991,000 | 16,572,000 |
| Provision for loan losses | -2,000 | -19,000 | -16,000 | -27,000 |
| Pretax income | 1,136,000 | 2,498,000 | 4,763,000 | 5,960,000 |
| Income tax | 119,000 | 276,000 | 628,000 | 746,000 |
| Net income | 1,017,000 | 2,222,000 | 4,135,000 | 5,214,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 49,980,000 | 50,962,000 | 52,643,000 | 53,480,000 |
| Total capital | 51,383,000 | 52,345,000 | 54,021,000 | 54,847,000 |
| Risk-weighted assets | 326,596,000 | 327,551,000 | 329,860,000 | 330,429,000 |