Call reports 2011
NORTH ADAMS STATE BANK — 2011
What NORTH ADAMS STATE BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 31,693,000 | 31,587,000 | 33,413,000 | 32,227,000 |
| Total loans | 17,397,000 | 18,091,000 | 19,093,000 | 19,418,000 |
| Allowance for loan losses | 255,000 | 256,000 | 255,000 | 251,000 |
| Securities available for sale | 7,772,000 | 7,737,000 | 6,593,000 | 6,995,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 27,713,000 | 27,535,000 | 29,291,000 | 28,079,000 |
| Interest-bearing deposits | 22,656,000 | 22,773,000 | 23,447,000 | 22,462,000 |
| Noninterest-bearing deposits | 5,057,000 | 4,762,000 | 5,843,000 | 5,617,000 |
| Equity capital | 3,549,000 | 3,642,000 | 3,723,000 | 3,757,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 340,000 | 686,000 | 1,035,000 | 1,381,000 |
| Interest expense | 66,000 | 124,000 | 178,000 | 229,000 |
| Net interest income | 274,000 | 562,000 | 857,000 | 1,152,000 |
| Noninterest income | 45,000 | 93,000 | 141,000 | 184,000 |
| Noninterest expense | 249,000 | 502,000 | 757,000 | 1,012,000 |
| Provision for loan losses | 0 | 0 | 5,000 | 21,000 |
| Pretax income | 70,000 | 153,000 | 236,000 | 303,000 |
| Income tax | 18,000 | 33,000 | 57,000 | 84,000 |
| Net income | 52,000 | 120,000 | 179,000 | 219,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,300,000 | 3,369,000 | 3,427,000 | 3,467,000 |
| Total capital | 3,520,000 | 3,585,000 | 3,645,000 | 3,675,000 |
| Risk-weighted assets | 17,589,000 | 17,265,000 | 17,378,000 | 16,611,000 |