Call reports 2002
ADAMS COUNTY BANK — 2002
What ADAMS COUNTY BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 55,401,000 | 57,131,000 | 58,626,000 | 58,305,000 |
| Total loans | 44,701,000 | 46,853,000 | 47,518,000 | 45,138,000 |
| Allowance for loan losses | 461,000 | 489,000 | 490,000 | 491,000 |
| Securities available for sale | 6,657,000 | 5,821,000 | 5,015,000 | 7,743,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 46,548,000 | 44,262,000 | 43,877,000 | 44,877,000 |
| Interest-bearing deposits | 42,471,000 | 40,017,000 | 39,348,000 | 40,059,000 |
| Noninterest-bearing deposits | 4,077,000 | 4,245,000 | 4,529,000 | 4,818,000 |
| Equity capital | 5,799,000 | 5,973,000 | 6,150,000 | 6,130,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 849,000 | 1,711,000 | 2,568,000 | 3,399,000 |
| Interest expense | 396,000 | 765,000 | 1,126,000 | 1,474,000 |
| Net interest income | 453,000 | 946,000 | 1,442,000 | 1,925,000 |
| Noninterest income | 33,000 | 76,000 | 119,000 | 222,000 |
| Noninterest expense | 282,000 | 545,000 | 808,000 | 1,127,000 |
| Provision for loan losses | 30,000 | 60,000 | 60,000 | 60,000 |
| Pretax income | 174,000 | 417,000 | 693,000 | 960,000 |
| Income tax | 62,000 | 147,000 | 232,000 | 303,000 |
| Net income | 112,000 | 270,000 | 461,000 | 657,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,687,000 | 5,845,000 | 6,024,000 | 6,020,000 |
| Total capital | 6,148,000 | 6,334,000 | 6,514,000 | 6,511,000 |
| Risk-weighted assets | 45,211,000 | 47,018,000 | 47,774,000 | 45,884,000 |