Call reports 2012
NORTH ADAMS STATE BANK — 2012
What NORTH ADAMS STATE BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 34,383,000 | 33,900,000 | 33,761,000 | 36,590,000 |
| Total loans | 18,700,000 | 19,018,000 | 19,253,000 | 18,255,000 |
| Allowance for loan losses | 250,000 | 255,000 | 256,000 | 245,000 |
| Securities available for sale | 6,571,000 | 6,251,000 | 6,174,000 | 6,079,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 30,139,000 | 29,586,000 | 29,361,000 | 32,218,000 |
| Interest-bearing deposits | 23,647,000 | 23,803,000 | 22,874,000 | 24,750,000 |
| Noninterest-bearing deposits | 6,493,000 | 5,783,000 | 6,487,000 | 7,468,000 |
| Equity capital | 3,817,000 | 3,878,000 | 3,948,000 | 3,989,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 328,000 | 649,000 | 982,000 | 1,297,000 |
| Interest expense | 48,000 | 91,000 | 132,000 | 171,000 |
| Net interest income | 280,000 | 558,000 | 850,000 | 1,126,000 |
| Noninterest income | 42,000 | 95,000 | 144,000 | 190,000 |
| Noninterest expense | 237,000 | 488,000 | 742,000 | 996,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 85,000 | 165,000 | 252,000 | 320,000 |
| Income tax | 23,000 | 47,000 | 72,000 | 77,000 |
| Net income | 62,000 | 118,000 | 180,000 | 243,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,530,000 | 3,586,000 | 3,648,000 | 3,711,000 |
| Total capital | 3,734,000 | 3,795,000 | 3,858,000 | 3,924,000 |
| Risk-weighted assets | 16,175,000 | 16,504,000 | 16,789,000 | 17,031,000 |