Call reports 2013
FIRST STATE BANK OF MIDDLEBURY — 2013
What FIRST STATE BANK OF MIDDLEBURY reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 391,202,000 | 396,017,000 | 408,443,000 | 402,290,000 |
| Total loans | 280,601,000 | 287,378,000 | 288,509,000 | 290,818,000 |
| Allowance for loan losses | 5,973,000 | 5,615,000 | 5,209,000 | 3,949,000 |
| Securities available for sale | 72,899,000 | 72,105,000 | 72,712,000 | 73,039,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 322,128,000 | 329,398,000 | 345,386,000 | 339,107,000 |
| Interest-bearing deposits | 265,096,000 | 267,784,000 | 282,001,000 | 275,271,000 |
| Noninterest-bearing deposits | 57,032,000 | 61,614,000 | 63,385,000 | 63,836,000 |
| Equity capital | 40,166,000 | 39,136,000 | 38,804,000 | 39,287,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 4,095,000 | 8,320,000 | 12,613,000 | 16,936,000 |
| Interest expense | 677,000 | 1,268,000 | 1,801,000 | 2,302,000 |
| Net interest income | 3,418,000 | 7,052,000 | 10,812,000 | 14,634,000 |
| Noninterest income | 831,000 | 1,587,000 | 2,372,000 | 3,218,000 |
| Noninterest expense | 3,107,000 | 6,344,000 | 9,816,000 | 13,496,000 |
| Provision for loan losses | -128,000 | -326,000 | -620,000 | -1,075,000 |
| Pretax income | 1,403,000 | 2,865,000 | 4,299,000 | 5,781,000 |
| Income tax | 341,000 | 686,000 | 1,017,000 | 1,356,000 |
| Net income | 1,062,000 | 2,179,000 | 3,282,000 | 4,425,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,714,000 | 39,526,000 | 39,324,000 | 39,908,000 |
| Total capital | 42,294,000 | 43,197,000 | 43,014,000 | 43,621,000 |
| Risk-weighted assets | 284,011,000 | 291,766,000 | 293,644,000 | 296,840,000 |