Call reports 2009
NORTH ADAMS STATE BANK — 2009
What NORTH ADAMS STATE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 31,769,000 | 31,734,000 | 31,934,000 | 31,404,000 |
| Total loans | 17,247,000 | 16,842,000 | 16,459,000 | 16,858,000 |
| Allowance for loan losses | 177,000 | 178,000 | 158,000 | 263,000 |
| Securities available for sale | 7,448,000 | 6,575,000 | 6,634,000 | 6,913,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 27,685,000 | 27,638,000 | 27,655,000 | 27,470,000 |
| Interest-bearing deposits | 22,889,000 | 22,875,000 | 23,252,000 | 21,372,000 |
| Noninterest-bearing deposits | 4,795,000 | 4,763,000 | 4,403,000 | 6,098,000 |
| Equity capital | 3,090,000 | 3,126,000 | 3,255,000 | 3,221,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 453,000 | 866,000 | 1,270,000 | 1,660,000 |
| Interest expense | 144,000 | 279,000 | 395,000 | 494,000 |
| Net interest income | 309,000 | 587,000 | 875,000 | 1,166,000 |
| Noninterest income | 38,000 | 97,000 | 158,000 | 215,000 |
| Noninterest expense | 248,000 | 498,000 | 769,000 | 1,006,000 |
| Provision for loan losses | 1,000 | 1,000 | 1,000 | 106,000 |
| Pretax income | 98,000 | 185,000 | 263,000 | 269,000 |
| Income tax | 30,000 | 54,000 | 71,000 | 101,000 |
| Net income | 68,000 | 131,000 | 192,000 | 168,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,861,000 | 2,926,000 | 2,986,000 | 2,961,000 |
| Total capital | 3,038,000 | 3,104,000 | 3,144,000 | 3,197,000 |
| Risk-weighted assets | 18,177,000 | 18,120,000 | 18,083,000 | 18,104,000 |
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