Call reports 2014
NORTH ADAMS STATE BANK — 2014
What NORTH ADAMS STATE BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 34,633,000 | 35,442,000 | 33,451,000 | 34,874,000 |
| Total loans | 23,184,000 | 23,440,000 | 24,718,000 | 24,095,000 |
| Allowance for loan losses | 250,000 | 250,000 | 255,000 | 257,000 |
| Securities available for sale | 5,428,000 | 5,330,000 | 4,756,000 | 4,862,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 30,227,000 | 30,987,000 | 28,948,000 | 30,329,000 |
| Interest-bearing deposits | 23,309,000 | 23,259,000 | 22,266,000 | 22,840,000 |
| Noninterest-bearing deposits | 6,917,000 | 7,729,000 | 6,682,000 | 7,490,000 |
| Equity capital | 4,312,000 | 4,384,000 | 4,433,000 | 4,502,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 336,000 | 674,000 | 1,019,000 | 1,370,000 |
| Interest expense | 21,000 | 42,000 | 62,000 | 83,000 |
| Net interest income | 315,000 | 632,000 | 957,000 | 1,287,000 |
| Noninterest income | 40,000 | 87,000 | 131,000 | 183,000 |
| Noninterest expense | 260,000 | 527,000 | 807,000 | 1,082,000 |
| Provision for loan losses | 0 | 8,000 | 12,000 | 14,000 |
| Pretax income | 95,000 | 184,000 | 269,000 | 374,000 |
| Income tax | 30,000 | 62,000 | 91,000 | 120,000 |
| Net income | 65,000 | 122,000 | 178,000 | 254,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,089,000 | 4,146,000 | 4,202,000 | 4,278,000 |
| Total capital | 4,339,000 | 4,396,000 | 4,457,000 | 4,535,000 |
| Risk-weighted assets | 21,103,000 | 21,409,000 | 22,771,000 | 22,423,000 |