Call reports 2006
FIRST STATE BANK OF MIDDLEBURY — 2006
What FIRST STATE BANK OF MIDDLEBURY reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 331,239,000 | 337,177,000 | 341,033,000 | 348,414,000 |
| Total loans | 245,813,000 | 254,141,000 | 257,101,000 | 262,242,000 |
| Allowance for loan losses | 2,279,000 | 2,364,000 | 2,481,000 | 2,484,000 |
| Securities available for sale | 35,072,000 | 38,690,000 | 39,637,000 | 38,978,000 |
| Securities held to maturity | 19,574,000 | 20,056,000 | 20,592,000 | 20,336,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 243,453,000 | 238,509,000 | 240,287,000 | 250,444,000 |
| Interest-bearing deposits | 206,673,000 | 204,607,000 | 206,075,000 | 217,640,000 |
| Noninterest-bearing deposits | 36,780,000 | 33,902,000 | 34,212,000 | 32,804,000 |
| Equity capital | 25,918,000 | 26,010,000 | 27,031,000 | 27,562,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 5,078,000 | 10,491,000 | 16,278,000 | 22,126,000 |
| Interest expense | 1,955,000 | 4,188,000 | 6,667,000 | 9,220,000 |
| Net interest income | 3,123,000 | 6,303,000 | 9,611,000 | 12,906,000 |
| Noninterest income | 577,000 | 1,255,000 | 1,946,000 | 2,608,000 |
| Noninterest expense | 2,243,000 | 4,519,000 | 7,034,000 | 9,446,000 |
| Provision for loan losses | 150,000 | 315,000 | 480,000 | 735,000 |
| Pretax income | 1,307,000 | 2,724,000 | 3,937,000 | 5,236,000 |
| Income tax | 363,000 | 761,000 | 1,092,000 | 1,457,000 |
| Net income | 944,000 | 1,963,000 | 2,845,000 | 3,779,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,453,000 | 26,790,000 | 27,273,000 | 27,707,000 |
| Total capital | 28,732,000 | 29,154,000 | 29,754,000 | 30,191,000 |
| Risk-weighted assets | 233,293,000 | 240,936,000 | 241,988,000 | 246,241,000 |