Call reports 2004
NORTH ADAMS STATE BANK — 2004
What NORTH ADAMS STATE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 24,569,000 | 24,460,000 | 27,756,000 | 25,505,000 |
| Total loans | 15,179,000 | 15,995,000 | 16,076,000 | 16,935,000 |
| Allowance for loan losses | 152,000 | 167,000 | 168,000 | 170,000 |
| Securities available for sale | 6,312,000 | 5,955,000 | 5,920,000 | 5,706,000 |
| Securities held to maturity | 3,000 | 3,000 | 2,000 | 2,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 21,884,000 | 21,854,000 | 24,974,000 | 22,099,000 |
| Interest-bearing deposits | 18,238,000 | 18,608,000 | 20,881,000 | 17,688,000 |
| Noninterest-bearing deposits | 3,646,000 | 3,246,000 | 4,093,000 | 4,411,000 |
| Equity capital | 2,546,000 | 2,532,000 | 2,659,000 | 2,647,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 358,000 | 725,000 | 1,092,000 | 1,468,000 |
| Interest expense | 83,000 | 159,000 | 234,000 | 307,000 |
| Net interest income | 275,000 | 566,000 | 858,000 | 1,161,000 |
| Noninterest income | 42,000 | 94,000 | 143,000 | 192,000 |
| Noninterest expense | 220,000 | 432,000 | 667,000 | 899,000 |
| Provision for loan losses | 7,000 | 21,000 | 27,000 | 43,000 |
| Pretax income | 90,000 | 207,000 | 307,000 | 411,000 |
| Income tax | 28,000 | 66,000 | 98,000 | 126,000 |
| Net income | 62,000 | 141,000 | 209,000 | 285,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,314,000 | 2,390,000 | 2,459,000 | 2,460,000 |
| Total capital | 2,466,000 | 2,557,000 | 2,627,000 | 2,630,000 |
| Risk-weighted assets | 16,304,000 | 16,730,000 | 17,392,000 | 17,545,000 |
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