Call reports 2015
ADAMS COUNTY BUILDING AND LOAN COMPANY, THE — 2015
What ADAMS COUNTY BUILDING AND LOAN COMPANY, THE 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 | 24,395,000 | 23,989,000 | 24,011,000 | 24,120,000 |
| Total loans | 12,476,000 | 12,583,000 | 12,471,000 | 12,847,000 |
| Allowance for loan losses | 200,000 | 200,000 | 200,000 | 200,000 |
| Securities available for sale | 6,378,000 | 6,352,000 | 6,765,000 | 6,832,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 20,060,000 | 19,809,000 | 19,699,000 | 19,825,000 |
| Interest-bearing deposits | 20,060,000 | 19,809,000 | 19,699,000 | 19,825,000 |
| Noninterest-bearing deposits | 0 | 0 | 0 | 0 |
| Equity capital | 4,285,000 | 4,119,000 | 4,246,000 | 4,231,000 |
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 | 239,000 | 482,000 | 736,000 | 988,000 |
| Interest expense | 36,000 | 72,000 | 117,000 | 153,000 |
| Net interest income | 203,000 | 410,000 | 619,000 | 835,000 |
| Noninterest income | 6,000 | 11,000 | 16,000 | 19,000 |
| Noninterest expense | 190,000 | 407,000 | 590,000 | 780,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 19,000 | 14,000 | 48,000 | 77,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 19,000 | 14,000 | 48,000 | 77,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,117,000 | 4,079,000 | 4,113,000 | 4,198,000 |
| Total capital | 4,258,000 | 4,220,000 | 4,253,000 | 4,341,000 |
| Risk-weighted assets | 11,257,000 | 11,253,000 | 11,137,000 | 11,379,000 |