Call reports 2012
FIRST STATE BANK OF MIDDLEBURY — 2012
What FIRST STATE BANK OF MIDDLEBURY reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 376,165,000 | 378,745,000 | 381,661,000 | 391,033,000 |
| Total loans | 279,450,000 | 278,576,000 | 276,933,000 | 278,922,000 |
| Allowance for loan losses | 6,330,000 | 6,817,000 | 6,697,000 | 6,119,000 |
| Securities available for sale | 68,221,000 | 69,256,000 | 70,146,000 | 71,006,000 |
| Securities held to maturity | 94,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 308,963,000 | 310,865,000 | 313,196,000 | 318,103,000 |
| Interest-bearing deposits | 257,737,000 | 256,650,000 | 258,734,000 | 258,976,000 |
| Noninterest-bearing deposits | 51,226,000 | 54,215,000 | 54,462,000 | 59,127,000 |
| Equity capital | 38,486,000 | 39,033,000 | 39,532,000 | 39,971,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 4,324,000 | 8,680,000 | 12,921,000 | 17,155,000 |
| Interest expense | 894,000 | 1,723,000 | 2,509,000 | 3,242,000 |
| Net interest income | 3,430,000 | 6,957,000 | 10,412,000 | 13,913,000 |
| Noninterest income | 832,000 | 1,750,000 | 2,473,000 | 3,470,000 |
| Noninterest expense | 2,950,000 | 5,908,000 | 9,059,000 | 12,206,000 |
| Provision for loan losses | 455,000 | 1,107,000 | 1,560,000 | 1,716,000 |
| Pretax income | 973,000 | 1,879,000 | 2,531,000 | 3,935,000 |
| Income tax | 204,000 | 384,000 | 489,000 | 846,000 |
| Net income | 769,000 | 1,495,000 | 2,042,000 | 3,089,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,803,000 | 37,225,000 | 37,468,000 | 38,206,000 |
| Total capital | 40,371,000 | 40,788,000 | 41,008,000 | 41,780,000 |
| Risk-weighted assets | 282,656,000 | 281,756,000 | 280,082,000 | 283,388,000 |