Call reports 2003
NORTH ADAMS STATE BANK — 2003
What NORTH ADAMS STATE BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 26,204,000 | 25,925,000 | 24,765,000 | 24,184,000 |
| Total loans | 16,553,000 | 15,132,000 | 15,709,000 | 15,656,000 |
| Allowance for loan losses | 175,000 | 158,000 | 159,000 | 188,000 |
| Securities available for sale | 6,017,000 | 6,273,000 | 6,113,000 | 5,897,000 |
| Securities held to maturity | 6,000 | 5,000 | 5,000 | 4,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 23,660,000 | 23,311,000 | 22,167,000 | 21,625,000 |
| Interest-bearing deposits | 20,299,000 | 19,911,000 | 18,902,000 | 18,317,000 |
| Noninterest-bearing deposits | 3,361,000 | 3,400,000 | 3,265,000 | 3,308,000 |
| Equity capital | 2,373,000 | 2,435,000 | 2,456,000 | 2,455,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 412,000 | 802,000 | 1,196,000 | 1,561,000 |
| Interest expense | 138,000 | 257,000 | 358,000 | 448,000 |
| Net interest income | 274,000 | 545,000 | 838,000 | 1,113,000 |
| Noninterest income | 34,000 | 68,000 | 109,000 | 157,000 |
| Noninterest expense | 210,000 | 416,000 | 624,000 | 842,000 |
| Provision for loan losses | 59,000 | 73,000 | 90,000 | 128,000 |
| Pretax income | 39,000 | 124,000 | 233,000 | 300,000 |
| Income tax | 13,000 | 39,000 | 74,000 | 81,000 |
| Net income | 26,000 | 85,000 | 159,000 | 219,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,110,000 | 2,171,000 | 2,248,000 | 2,250,000 |
| Total capital | 2,285,000 | 2,329,000 | 2,407,000 | 2,438,000 |
| Risk-weighted assets | 17,574,000 | 16,747,000 | 16,725,000 | 16,344,000 |
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