Call reports 2015
NORTH ADAMS STATE BANK — 2015
What NORTH ADAMS STATE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 35,184,000 | 34,609,000 | 34,654,000 | 32,952,000 |
| Total loans | 23,319,000 | 24,105,000 | 24,463,000 | 24,081,000 |
| Allowance for loan losses | 257,000 | 257,000 | 257,000 | 257,000 |
| Securities available for sale | 4,820,000 | 4,690,000 | 4,381,000 | 4,286,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 30,540,000 | 29,919,000 | 29,893,000 | 28,205,000 |
| Interest-bearing deposits | 23,367,000 | 23,077,000 | 22,229,000 | 21,400,000 |
| Noninterest-bearing deposits | 7,173,000 | 6,842,000 | 7,664,000 | 6,805,000 |
| Equity capital | 4,557,000 | 4,609,000 | 4,662,000 | 4,712,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 330,000 | 661,000 | 998,000 | 1,348,000 |
| Interest expense | 21,000 | 42,000 | 64,000 | 85,000 |
| Net interest income | 309,000 | 619,000 | 934,000 | 1,263,000 |
| Noninterest income | 32,000 | 75,000 | 116,000 | 152,000 |
| Noninterest expense | 269,000 | 524,000 | 801,000 | 1,073,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 72,000 | 170,000 | 249,000 | 342,000 |
| Income tax | 21,000 | 54,000 | 80,000 | 107,000 |
| Net income | 51,000 | 116,000 | 169,000 | 235,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,328,000 | 4,393,000 | 4,447,000 | 4,512,000 |
| Total capital | 4,585,000 | 4,650,000 | 4,704,000 | 4,769,000 |
| Risk-weighted assets | 20,870,000 | 21,767,000 | 21,182,000 | 21,485,000 |