Call reports 2008
NORTH ADAMS STATE BANK — 2008
What NORTH ADAMS STATE BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 28,408,000 | 29,323,000 | 29,058,000 | 32,846,000 |
| Total loans | 18,953,000 | 17,921,000 | 18,368,000 | 17,402,000 |
| Allowance for loan losses | 157,000 | 162,000 | 171,000 | 175,000 |
| Securities available for sale | 4,839,000 | 7,532,000 | 7,575,000 | 7,548,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 24,699,000 | 25,574,000 | 25,187,000 | 28,781,000 |
| Interest-bearing deposits | 20,549,000 | 21,474,000 | 21,176,000 | 22,248,000 |
| Noninterest-bearing deposits | 4,150,000 | 4,100,000 | 4,012,000 | 6,533,000 |
| Equity capital | 2,730,000 | 2,760,000 | 2,874,000 | 3,004,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 478,000 | 950,000 | 1,413,000 | 1,877,000 |
| Interest expense | 186,000 | 351,000 | 498,000 | 645,000 |
| Net interest income | 292,000 | 599,000 | 915,000 | 1,232,000 |
| Noninterest income | 38,000 | 91,000 | 142,000 | 185,000 |
| Noninterest expense | 243,000 | 503,000 | 765,000 | 1,036,000 |
| Provision for loan losses | 8,000 | 12,000 | 17,000 | 21,000 |
| Pretax income | 79,000 | 175,000 | 275,000 | 360,000 |
| Income tax | 23,000 | 52,000 | 82,000 | 106,000 |
| Net income | 56,000 | 123,000 | 193,000 | 254,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,597,000 | 2,663,000 | 2,733,000 | 2,793,000 |
| Total capital | 2,754,000 | 2,825,000 | 2,904,000 | 2,968,000 |
| Risk-weighted assets | 19,126,000 | 18,530,000 | 18,657,000 | 18,513,000 |
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