Call reports 2013
NORTH ADAMS STATE BANK — 2013
What NORTH ADAMS STATE BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 37,630,000 | 35,776,000 | 35,937,000 | 36,103,000 |
| Total loans | 19,619,000 | 21,084,000 | 23,715,000 | 23,433,000 |
| Allowance for loan losses | 245,000 | 245,000 | 246,000 | 250,000 |
| Securities available for sale | 6,134,000 | 6,274,000 | 5,955,000 | 5,552,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 33,410,000 | 31,566,000 | 31,639,000 | 31,737,000 |
| Interest-bearing deposits | 27,002,000 | 25,805,000 | 25,168,000 | 24,345,000 |
| Noninterest-bearing deposits | 6,408,000 | 5,761,000 | 6,470,000 | 7,393,000 |
| Equity capital | 4,079,000 | 4,094,000 | 4,163,000 | 4,243,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 306,000 | 633,000 | 973,000 | 1,330,000 |
| Interest expense | 34,000 | 64,000 | 91,000 | 116,000 |
| Net interest income | 272,000 | 569,000 | 882,000 | 1,214,000 |
| Noninterest income | 108,000 | 158,000 | 204,000 | 241,000 |
| Noninterest expense | 243,000 | 496,000 | 741,000 | 998,000 |
| Provision for loan losses | 0 | 0 | 1,000 | 5,000 |
| Pretax income | 137,000 | 231,000 | 344,000 | 452,000 |
| Income tax | 47,000 | 76,000 | 112,000 | 139,000 |
| Net income | 90,000 | 155,000 | 232,000 | 313,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,801,000 | 3,865,000 | 3,943,000 | 4,024,000 |
| Total capital | 4,018,000 | 4,101,000 | 4,166,000 | 4,274,000 |
| Risk-weighted assets | 17,321,000 | 18,909,000 | 21,246,000 | 20,927,000 |