Call reports 2007
NORTH ADAMS STATE BANK — 2007
What NORTH ADAMS STATE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 26,940,000 | 27,123,000 | 27,352,000 | 27,505,000 |
| Total loans | 18,246,000 | 18,612,000 | 19,045,000 | 18,941,000 |
| Allowance for loan losses | 170,000 | 179,000 | 154,000 | 152,000 |
| Securities available for sale | 5,070,000 | 5,091,000 | 4,747,000 | 5,038,000 |
| Securities held to maturity | 1,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 23,969,000 | 24,081,000 | 24,202,000 | 24,295,000 |
| Interest-bearing deposits | 20,699,000 | 20,469,000 | 20,047,000 | 20,001,000 |
| Noninterest-bearing deposits | 3,270,000 | 3,612,000 | 4,155,000 | 4,294,000 |
| Equity capital | 2,485,000 | 2,524,000 | 2,622,000 | 2,723,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 455,000 | 910,000 | 1,363,000 | 1,827,000 |
| Interest expense | 189,000 | 376,000 | 564,000 | 755,000 |
| Net interest income | 266,000 | 534,000 | 799,000 | 1,072,000 |
| Noninterest income | 43,000 | 98,000 | 172,000 | 242,000 |
| Noninterest expense | 223,000 | 457,000 | 699,000 | 984,000 |
| Provision for loan losses | 0 | 0 | 9,000 | 21,000 |
| Pretax income | 86,000 | 175,000 | 263,000 | 309,000 |
| Income tax | 25,000 | 50,000 | 75,000 | 47,000 |
| Net income | 61,000 | 125,000 | 188,000 | 262,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,338,000 | 2,403,000 | 2,465,000 | 2,540,000 |
| Total capital | 2,508,000 | 2,582,000 | 2,619,000 | 2,692,000 |
| Risk-weighted assets | 17,991,000 | 18,499,000 | 19,227,000 | 19,036,000 |
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