Call reports 2018
NORTH ADAMS STATE BANK — 2018
What NORTH ADAMS STATE BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 37,735,000 | 37,038,000 | 37,429,000 | 37,579,000 |
| Total loans | 27,099,000 | 26,197,000 | 25,575,000 | 25,304,000 |
| Allowance for loan losses | 144,000 | 144,000 | 124,000 | 131,000 |
| Securities available for sale | 6,101,000 | 6,363,000 | 6,319,000 | 6,337,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 31,491,000 | 30,690,000 | 30,999,000 | 31,032,000 |
| Interest-bearing deposits | 23,166,000 | 22,922,000 | 20,508,000 | 22,789,000 |
| Noninterest-bearing deposits | 8,325,000 | 7,768,000 | 10,491,000 | 8,243,000 |
| Equity capital | 5,087,000 | 5,180,000 | 5,238,000 | 5,391,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 403,000 | 816,000 | 1,233,000 | 1,644,000 |
| Interest expense | 39,000 | 78,000 | 123,000 | 179,000 |
| Net interest income | 364,000 | 738,000 | 1,110,000 | 1,465,000 |
| Noninterest income | 36,000 | 74,000 | 100,000 | 140,000 |
| Noninterest expense | 290,000 | 577,000 | 864,000 | 1,148,000 |
| Provision for loan losses | 0 | 0 | 4,000 | 11,000 |
| Pretax income | 110,000 | 235,000 | 342,000 | 446,000 |
| Income tax | 24,000 | 51,000 | 76,000 | 106,000 |
| Net income | 86,000 | 184,000 | 266,000 | 340,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,089,000 | 5,188,000 | 5,271,000 | 5,344,000 |
| Total capital | 5,233,000 | 5,332,000 | 5,395,000 | 5,475,000 |
| Risk-weighted assets | 24,791,000 | 23,553,000 | 22,969,000 | 23,237,000 |