Call reports 2007
FIRST STATE BANK OF MIDDLEBURY — 2007
What FIRST STATE BANK OF MIDDLEBURY reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 342,721,000 | 351,769,000 | 359,719,000 | 356,976,000 |
| Total loans | 258,555,000 | 266,886,000 | 269,380,000 | 278,528,000 |
| Allowance for loan losses | 2,117,000 | 2,326,000 | 2,543,000 | 2,675,000 |
| Securities available for sale | 39,330,000 | 33,673,000 | 29,337,000 | 29,267,000 |
| Securities held to maturity | 19,120,000 | 20,880,000 | 26,657,000 | 26,933,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 253,166,000 | 262,902,000 | 266,282,000 | 257,958,000 |
| Interest-bearing deposits | 221,005,000 | 226,836,000 | 231,472,000 | 224,115,000 |
| Noninterest-bearing deposits | 32,161,000 | 36,066,000 | 34,810,000 | 33,843,000 |
| Equity capital | 28,053,000 | 28,207,000 | 28,430,000 | 28,915,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 5,837,000 | 11,761,000 | 17,937,000 | 24,084,000 |
| Interest expense | 2,534,000 | 5,146,000 | 7,845,000 | 10,488,000 |
| Net interest income | 3,303,000 | 6,615,000 | 10,092,000 | 13,596,000 |
| Noninterest income | 662,000 | 1,373,000 | 2,071,000 | 2,976,000 |
| Noninterest expense | 2,633,000 | 5,245,000 | 7,927,000 | 10,627,000 |
| Provision for loan losses | 210,000 | 420,000 | 639,000 | 1,080,000 |
| Pretax income | 1,122,000 | 2,334,000 | 3,608,000 | 4,877,000 |
| Income tax | 306,000 | 628,000 | 979,000 | 1,269,000 |
| Net income | 816,000 | 1,706,000 | 2,629,000 | 3,608,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,123,000 | 28,613,000 | 28,536,000 | 28,766,000 |
| Total capital | 30,240,000 | 30,939,000 | 31,079,000 | 31,441,000 |
| Risk-weighted assets | 243,275,000 | 253,706,000 | 257,053,000 | 263,951,000 |