Call reports 2008
ADAMS COMMUNITY BANK — 2008
What ADAMS COMMUNITY BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 202,081,000 | 198,406,000 | 197,354,000 | 206,566,000 |
| Total loans | 150,645,000 | 150,456,000 | 151,631,000 | 164,494,000 |
| Allowance for loan losses | 1,468,000 | 1,508,000 | 1,312,000 | 1,442,000 |
| Securities available for sale | 36,232,000 | 35,980,000 | 32,753,000 | 28,010,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 158,081,000 | 154,522,000 | 152,678,000 | 151,092,000 |
| Interest-bearing deposits | 151,039,000 | 147,336,000 | 144,835,000 | 144,278,000 |
| Noninterest-bearing deposits | 7,042,000 | 7,186,000 | 7,843,000 | 6,814,000 |
| Equity capital | 25,620,000 | 25,015,000 | 24,385,000 | 23,444,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 2,685,000 | 5,447,000 | 8,221,000 | 10,970,000 |
| Interest expense | 1,372,000 | 2,702,000 | 3,971,000 | 5,150,000 |
| Net interest income | 1,313,000 | 2,745,000 | 4,250,000 | 5,820,000 |
| Noninterest income | 119,000 | 208,000 | 356,000 | 477,000 |
| Noninterest expense | 1,376,000 | 2,734,000 | 4,070,000 | 5,353,000 |
| Provision for loan losses | 0 | 39,000 | 122,000 | 257,000 |
| Pretax income | 151,000 | 275,000 | 556,000 | -592,000 |
| Income tax | 13,000 | 38,000 | 146,000 | -197,000 |
| Net income | 138,000 | 237,000 | 410,000 | -395,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,172,000 | 24,272,000 | 24,444,000 | 23,639,000 |
| Total capital | 26,605,000 | 26,366,000 | 25,906,000 | 25,193,000 |
| Risk-weighted assets | 122,597,000 | 117,089,000 | 121,487,000 | 120,298,000 |
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