Call reports 2019
NORTH ADAMS STATE BANK — 2019
What NORTH ADAMS STATE BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 36,246,000 | 36,893,000 | 38,456,000 | 38,247,000 |
| Total loans | 24,265,000 | 25,756,000 | 26,959,000 | 26,000,000 |
| Allowance for loan losses | 133,000 | 135,000 | 150,000 | 153,000 |
| Securities available for sale | 6,292,000 | 6,665,000 | 6,161,000 | 6,172,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 29,485,000 | 29,920,000 | 31,760,000 | 31,528,000 |
| Interest-bearing deposits | 22,321,000 | 22,459,000 | 23,321,000 | 23,363,000 |
| Noninterest-bearing deposits | 7,164,000 | 7,461,000 | 8,439,000 | 8,165,000 |
| Equity capital | 5,532,000 | 5,710,000 | 5,807,000 | 5,874,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 400,000 | 820,000 | 1,257,000 | 1,693,000 |
| Interest expense | 54,000 | 111,000 | 176,000 | 243,000 |
| Net interest income | 346,000 | 709,000 | 1,081,000 | 1,450,000 |
| Noninterest income | 42,000 | 77,000 | 96,000 | 125,000 |
| Noninterest expense | 278,000 | 545,000 | 831,000 | 1,114,000 |
| Provision for loan losses | 3,000 | 4,000 | 19,000 | 50,000 |
| Pretax income | 107,000 | 237,000 | 327,000 | 411,000 |
| Income tax | 26,000 | 58,000 | 83,000 | 96,000 |
| Net income | 81,000 | 179,000 | 244,000 | 315,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,426,000 | 5,523,000 | 5,589,000 | 5,660,000 |
| Total capital | 5,559,000 | 5,658,000 | 5,739,000 | 5,813,000 |
| Risk-weighted assets | 22,739,000 | 23,754,000 | 24,630,000 | 24,802,000 |