Call reports 2005
NORTH ADAMS STATE BANK — 2005
What NORTH ADAMS STATE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 24,910,000 | 25,294,000 | 25,280,000 | 25,031,000 |
| Total loans | 17,395,000 | 17,474,000 | 17,626,000 | 16,603,000 |
| Allowance for loan losses | 175,000 | 178,000 | 181,000 | 192,000 |
| Securities available for sale | 5,231,000 | 4,991,000 | 4,644,000 | 4,998,000 |
| Securities held to maturity | 2,000 | 2,000 | 2,000 | 1,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 20,384,000 | 22,452,000 | 22,384,000 | 22,221,000 |
| Interest-bearing deposits | 17,296,000 | 18,996,000 | 19,251,000 | 18,997,000 |
| Noninterest-bearing deposits | 3,088,000 | 3,456,000 | 3,133,000 | 3,224,000 |
| Equity capital | 2,672,000 | 2,753,000 | 2,807,000 | 2,754,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 358,000 | 726,000 | 1,102,000 | 1,487,000 |
| Interest expense | 80,000 | 175,000 | 279,000 | 393,000 |
| Net interest income | 278,000 | 551,000 | 823,000 | 1,094,000 |
| Noninterest income | 39,000 | 93,000 | 140,000 | 183,000 |
| Noninterest expense | 216,000 | 444,000 | 671,000 | 901,000 |
| Provision for loan losses | 4,000 | 9,000 | 14,000 | 42,000 |
| Pretax income | 106,000 | 200,000 | 287,000 | 343,000 |
| Income tax | 33,000 | 62,000 | 88,000 | 101,000 |
| Net income | 73,000 | 138,000 | 199,000 | 242,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,531,000 | 2,596,000 | 2,658,000 | 2,627,000 |
| Total capital | 2,706,000 | 2,774,000 | 2,839,000 | 2,819,000 |
| Risk-weighted assets | 17,757,000 | 17,904,000 | 18,066,000 | 17,306,000 |
Machine access — free, no API key
Every figure shown here about NORTH ADAMS STATE BANK — 2005 can also be queried live: FACTANKER runs an MCP server at https://factanker.com/mcp (tools: lookup_entity, get_facts, query_template, search_facts) and a REST endpoint at https://factanker.com/api/get_facts. Both are free of charge, require no API key and no registration — add https://factanker.com/mcp as a connector in Claude, ChatGPT or Copilot. Every answer carries its source document and a citation reference. Setup: /quickstart.