Call reports 2015
ADAMS DAIRY BANK — 2015
What ADAMS DAIRY BANK 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 | 97,613,000 | 98,418,000 | 102,954,000 | 110,028,000 |
| Total loans | 64,479,000 | 65,680,000 | 64,079,000 | 70,907,000 |
| Allowance for loan losses | 948,000 | 948,000 | 948,000 | 948,000 |
| Securities available for sale | 7,770,000 | 8,979,000 | 11,226,000 | 10,194,000 |
| Securities held to maturity | 9,000,000 | 11,000,000 | 13,712,000 | 13,711,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 80,181,000 | 76,928,000 | 83,614,000 | 83,458,000 |
| Interest-bearing deposits | 62,268,000 | 61,954,000 | 66,087,000 | 66,816,000 |
| Noninterest-bearing deposits | 17,913,000 | 14,974,000 | 17,527,000 | 16,642,000 |
| Equity capital | 9,418,000 | 9,459,000 | 9,657,000 | 9,767,000 |
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 | 977,000 | 1,967,000 | 2,976,000 | 4,021,000 |
| Interest expense | 128,000 | 262,000 | 403,000 | 551,000 |
| Net interest income | 849,000 | 1,705,000 | 2,573,000 | 3,470,000 |
| Noninterest income | 80,000 | 177,000 | 282,000 | 357,000 |
| Noninterest expense | 557,000 | 1,129,000 | 1,756,000 | 2,378,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 372,000 | 776,000 | 1,122,000 | 1,516,000 |
| Income tax | 130,000 | 257,000 | 376,000 | 510,000 |
| Net income | 242,000 | 519,000 | 746,000 | 1,006,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,350,000 | 9,458,000 | 9,600,000 | 9,759,000 |
| Total capital | 10,090,000 | 10,222,000 | 10,362,000 | 10,635,000 |
| Risk-weighted assets | 59,044,000 | 60,962,000 | 60,768,000 | 70,027,000 |