Call reports 2011
FIRST STATE BANK OF MIDDLEBURY — 2011
What FIRST STATE BANK OF MIDDLEBURY reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 382,009,000 | 396,840,000 | 387,915,000 | 384,064,000 |
| Total loans | 283,494,000 | 282,391,000 | 280,866,000 | 277,203,000 |
| Allowance for loan losses | 6,443,000 | 6,432,000 | 6,858,000 | 6,460,000 |
| Securities available for sale | 28,338,000 | 30,865,000 | 67,012,000 | 67,673,000 |
| Securities held to maturity | 33,965,000 | 32,126,000 | 184,000 | 184,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 302,655,000 | 320,077,000 | 311,585,000 | 312,349,000 |
| Interest-bearing deposits | 257,817,000 | 266,016,000 | 256,865,000 | 259,529,000 |
| Noninterest-bearing deposits | 44,838,000 | 54,061,000 | 54,720,000 | 52,820,000 |
| Equity capital | 35,351,000 | 36,085,000 | 37,669,000 | 38,020,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 4,644,000 | 9,244,000 | 13,744,000 | 18,149,000 |
| Interest expense | 1,214,000 | 2,352,000 | 3,455,000 | 4,453,000 |
| Net interest income | 3,430,000 | 6,892,000 | 10,289,000 | 13,696,000 |
| Noninterest income | 642,000 | 1,335,000 | 1,860,000 | 2,669,000 |
| Noninterest expense | 2,866,000 | 5,714,000 | 8,530,000 | 11,557,000 |
| Provision for loan losses | 603,000 | 1,205,000 | 1,807,000 | 2,107,000 |
| Pretax income | 629,000 | 1,405,000 | 1,944,000 | 3,003,000 |
| Income tax | 76,000 | 197,000 | 260,000 | 500,000 |
| Net income | 553,000 | 1,208,000 | 1,684,000 | 2,503,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,441,000 | 35,796,000 | 35,773,000 | 36,337,000 |
| Total capital | 39,020,000 | 39,357,000 | 39,345,000 | 39,878,000 |
| Risk-weighted assets | 283,424,000 | 282,033,000 | 282,511,000 | 280,354,000 |