Call reports 2013
ADAMS DAIRY BANK — 2013
What ADAMS DAIRY BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 70,501,000 | 69,919,000 | 76,452,000 | 77,495,000 |
| Total loans | 50,860,000 | 47,175,000 | 50,422,000 | 50,997,000 |
| Allowance for loan losses | 903,000 | 903,000 | 948,000 | 948,000 |
| Securities available for sale | 2,880,000 | 6,661,000 | 12,734,000 | 14,219,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 57,398,000 | 57,016,000 | 58,500,000 | 60,845,000 |
| Interest-bearing deposits | 45,812,000 | 43,490,000 | 47,020,000 | 51,223,000 |
| Noninterest-bearing deposits | 11,586,000 | 13,526,000 | 11,480,000 | 9,622,000 |
| Equity capital | 7,878,000 | 7,796,000 | 7,846,000 | 7,916,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 760,000 | 1,446,000 | 2,210,000 | 2,994,000 |
| Interest expense | 118,000 | 229,000 | 340,000 | 454,000 |
| Net interest income | 642,000 | 1,217,000 | 1,870,000 | 2,540,000 |
| Noninterest income | 10,000 | -79,000 | 8,000 | 61,000 |
| Noninterest expense | 527,000 | 1,118,000 | 1,672,000 | 2,232,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 216,000 | 111,000 | 297,000 | 460,000 |
| Income tax | 74,000 | 32,000 | 94,000 | 146,000 |
| Net income | 142,000 | 79,000 | 203,000 | 314,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,874,000 | 7,812,000 | 7,936,000 | 8,047,000 |
| Total capital | 8,406,000 | 8,331,000 | 8,498,000 | 8,615,000 |
| Risk-weighted assets | 42,174,000 | 41,127,000 | 44,614,000 | 45,096,000 |
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