Call reports 2016
ADAMS DAIRY BANK — 2016
What ADAMS DAIRY BANK 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 | 110,889,000 | 112,637,000 | 109,111,000 | 107,778,000 |
| Total loans | 69,711,000 | 73,219,000 | 78,679,000 | 77,137,000 |
| Allowance for loan losses | 948,000 | 948,000 | 963,000 | 978,000 |
| Securities available for sale | 10,131,000 | 6,804,000 | 4,696,000 | 3,889,000 |
| Securities held to maturity | 12,711,000 | 10,396,000 | 8,689,000 | 8,705,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 85,254,000 | 93,673,000 | 90,130,000 | 85,070,000 |
| Interest-bearing deposits | 67,933,000 | 66,881,000 | 66,829,000 | 64,855,000 |
| Noninterest-bearing deposits | 17,321,000 | 26,792,000 | 23,301,000 | 20,215,000 |
| Equity capital | 9,912,000 | 9,964,000 | 9,999,000 | 11,110,000 |
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 | 1,042,000 | 2,104,000 | 3,218,000 | 4,303,000 |
| Interest expense | 165,000 | 337,000 | 515,000 | 683,000 |
| Net interest income | 877,000 | 1,767,000 | 2,703,000 | 3,620,000 |
| Noninterest income | 100,000 | 262,000 | 425,000 | 579,000 |
| Noninterest expense | 655,000 | 1,362,000 | 2,076,000 | 2,752,000 |
| Provision for loan losses | 0 | 0 | 15,000 | 30,000 |
| Pretax income | 322,000 | 667,000 | 1,037,000 | 1,417,000 |
| Income tax | 107,000 | 223,000 | 348,000 | 476,000 |
| Net income | 215,000 | 444,000 | 689,000 | 941,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,875,000 | 9,903,000 | 9,948,000 | 11,101,000 |
| Total capital | 10,762,000 | 10,817,000 | 10,854,000 | 12,025,000 |
| Risk-weighted assets | 70,897,000 | 73,094,000 | 72,426,000 | 73,862,000 |