Call reports 2006
NORTH ADAMS STATE BANK — 2006
What NORTH ADAMS STATE BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 26,268,000 | 25,990,000 | 26,198,000 | 26,323,000 |
| Total loans | 16,442,000 | 17,769,000 | 18,091,000 | 18,486,000 |
| Allowance for loan losses | 172,000 | 172,000 | 172,000 | 169,000 |
| Securities available for sale | 4,963,000 | 5,304,000 | 5,311,000 | 4,733,000 |
| Securities held to maturity | 1,000 | 1,000 | 1,000 | 1,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 23,362,000 | 23,052,000 | 23,160,000 | 23,376,000 |
| Interest-bearing deposits | 19,797,000 | 20,064,000 | 20,041,000 | 19,859,000 |
| Noninterest-bearing deposits | 3,565,000 | 2,988,000 | 3,119,000 | 3,517,000 |
| Equity capital | 2,809,000 | 2,848,000 | 2,944,000 | 2,416,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 392,000 | 806,000 | 1,235,000 | 1,659,000 |
| Interest expense | 125,000 | 264,000 | 414,000 | 581,000 |
| Net interest income | 267,000 | 542,000 | 821,000 | 1,078,000 |
| Noninterest income | 41,000 | 94,000 | 144,000 | 191,000 |
| Noninterest expense | 226,000 | 459,000 | 698,000 | 944,000 |
| Provision for loan losses | 0 | 4,000 | 4,000 | 174,000 |
| Pretax income | 82,000 | 173,000 | 263,000 | 151,000 |
| Income tax | 21,000 | 46,000 | 71,000 | 12,000 |
| Net income | 61,000 | 127,000 | 192,000 | 139,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,688,000 | 2,801,000 | 2,819,000 | 2,277,000 |
| Total capital | 2,860,000 | 2,973,000 | 2,991,000 | 2,446,000 |
| Risk-weighted assets | 17,571,000 | 17,916,000 | 18,179,000 | 18,368,000 |
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