Call reports 2015
FIRST STATE BANK OF MIDDLEBURY — 2015
What FIRST STATE BANK OF MIDDLEBURY reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 433,910,000 | 444,708,000 | 455,239,000 | 451,964,000 |
| Total loans | 317,834,000 | 322,405,000 | 335,047,000 | 333,878,000 |
| Allowance for loan losses | 3,277,000 | 3,363,000 | 3,554,000 | 3,747,000 |
| Securities available for sale | 81,921,000 | 81,326,000 | 83,631,000 | 85,221,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 356,203,000 | 366,290,000 | 376,254,000 | 372,480,000 |
| Interest-bearing deposits | 295,694,000 | 301,510,000 | 302,370,000 | 306,547,000 |
| Noninterest-bearing deposits | 60,509,000 | 64,780,000 | 73,884,000 | 65,933,000 |
| Equity capital | 45,514,000 | 45,160,000 | 46,402,000 | 47,452,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 4,479,000 | 9,107,000 | 13,889,000 | 18,698,000 |
| Interest expense | 468,000 | 950,000 | 1,425,000 | 1,890,000 |
| Net interest income | 4,011,000 | 8,157,000 | 12,464,000 | 16,808,000 |
| Noninterest income | 978,000 | 2,265,000 | 3,228,000 | 4,275,000 |
| Noninterest expense | 3,955,000 | 8,028,000 | 12,181,000 | 16,187,000 |
| Provision for loan losses | 3,000 | 121,000 | 274,000 | 480,000 |
| Pretax income | 1,139,000 | 2,600,000 | 3,626,000 | 4,841,000 |
| Income tax | 196,000 | 511,000 | 677,000 | 902,000 |
| Net income | 943,000 | 2,089,000 | 2,949,000 | 3,939,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 43,697,000 | 44,592,000 | 45,203,000 | 45,910,000 |
| Total capital | 46,974,000 | 47,955,000 | 48,757,000 | 49,657,000 |
| Risk-weighted assets | 316,927,000 | 320,107,000 | 345,910,000 | 347,681,000 |