Call reports 2001
ADAMS COUNTY BANK — 2001
What ADAMS COUNTY BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 50,087,000 | 51,275,000 | 52,239,000 | 54,077,000 |
| Total loans | 39,034,000 | 42,677,000 | 43,830,000 | 42,842,000 |
| Allowance for loan losses | 412,000 | 430,000 | 429,000 | 430,000 |
| Securities available for sale | 5,316,000 | 5,294,000 | 4,804,000 | 4,945,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 43,895,000 | 42,901,000 | 43,543,000 | 45,110,000 |
| Interest-bearing deposits | 40,233,000 | 39,325,000 | 39,791,000 | 40,006,000 |
| Noninterest-bearing deposits | 3,662,000 | 3,576,000 | 3,752,000 | 5,104,000 |
| Equity capital | 5,410,000 | 5,570,000 | 5,789,000 | 5,723,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 1,000,000 | 1,980,000 | 2,964,000 | 3,900,000 |
| Interest expense | 517,000 | 1,019,000 | 1,517,000 | 1,980,000 |
| Net interest income | 483,000 | 961,000 | 1,447,000 | 1,920,000 |
| Noninterest income | 29,000 | 68,000 | 102,000 | 192,000 |
| Noninterest expense | 286,000 | 554,000 | 824,000 | 1,149,000 |
| Provision for loan losses | 0 | 15,000 | 15,000 | 15,000 |
| Pretax income | 226,000 | 460,000 | 710,000 | 948,000 |
| Income tax | 65,000 | 132,000 | 209,000 | 283,000 |
| Net income | 161,000 | 328,000 | 501,000 | 665,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,299,000 | 5,460,000 | 5,623,000 | 5,588,000 |
| Total capital | 5,711,000 | 5,890,000 | 6,052,000 | 6,018,000 |
| Risk-weighted assets | 39,198,000 | 43,043,000 | 44,292,000 | 44,003,000 |