Call reports 2025
NORTH ADAMS STATE BANK — 2025
What NORTH ADAMS STATE BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 |
|---|---|
| Total assets | 45,454,000 |
| Total loans | 21,934,000 |
| Allowance for loan losses | 275,000 |
| Securities available for sale | 10,352,000 |
| Securities held to maturity | 0 |
| Trading assets | 0 |
| Total deposits | 39,273,000 |
| Interest-bearing deposits | 27,619,000 |
| Noninterest-bearing deposits | 11,654,000 |
| Equity capital | 5,912,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 |
|---|---|
| Interest income | 530,000 |
| Interest expense | 160,000 |
| Net interest income | 370,000 |
| Noninterest income | 25,000 |
| Noninterest expense | 245,000 |
| Provision for loan losses | 0 |
| Pretax income | 150,000 |
| Income tax | 35,000 |
| Net income | 115,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 |
|---|---|
| Tier 1 capital | 6,480,000 |