Call reports 2016
ADAMS COUNTY BUILDING AND LOAN COMPANY, THE — 2016
What ADAMS COUNTY BUILDING AND LOAN COMPANY, THE reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 24,015,000 | 24,342,000 | 24,211,000 | 23,381,000 |
| Total loans | 12,840,000 | 13,547,000 | 13,822,000 | 14,143,000 |
| Allowance for loan losses | 200,000 | 200,000 | 200,000 | 200,000 |
| Securities available for sale | 6,953,000 | 6,250,000 | 5,851,000 | 5,103,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 19,626,000 | 19,821,000 | 19,644,000 | 19,056,000 |
| Interest-bearing deposits | 19,626,000 | 19,821,000 | 19,644,000 | 19,056,000 |
| Noninterest-bearing deposits | 0 | 0 | 0 | 0 |
| Equity capital | 4,367,000 | 4,462,000 | 4,503,000 | 4,254,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 230,000 | 484,000 | 743,000 | 973,000 |
| Interest expense | 36,000 | 70,000 | 106,000 | 136,000 |
| Net interest income | 194,000 | 414,000 | 637,000 | 837,000 |
| Noninterest income | 4,000 | 14,000 | 38,000 | 39,000 |
| Noninterest expense | 203,000 | 399,000 | 571,000 | 754,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 13,000 | 92,000 | 173,000 | 203,000 |
| Income tax | 0 | 0 | 0 | 30,000 |
| Net income | 13,000 | 92,000 | 173,000 | 173,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,176,000 | 4,238,000 | 4,319,000 | 4,319,000 |
| Total capital | 4,315,000 | 4,438,000 | 4,519,000 | 4,519,000 |
| Risk-weighted assets | 11,041,000 | 16,615,000 | 16,810,000 | 16,800,000 |