Call reports 2003
ADAMS COUNTY BANK — 2003
What ADAMS COUNTY BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 60,876,000 | 60,106,000 | 62,685,000 | 60,337,000 |
| Total loans | 44,228,000 | 48,651,000 | 52,762,000 | 47,636,000 |
| Allowance for loan losses | 492,000 | 518,000 | 548,000 | 530,000 |
| Securities available for sale | 7,312,000 | 4,683,000 | 4,501,000 | 4,643,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 47,011,000 | 46,888,000 | 44,084,000 | 48,580,000 |
| Interest-bearing deposits | 41,765,000 | 41,384,000 | 40,272,000 | 41,022,000 |
| Noninterest-bearing deposits | 5,246,000 | 5,504,000 | 3,812,000 | 7,558,000 |
| Equity capital | 6,265,000 | 6,413,000 | 6,569,000 | 6,125,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 782,000 | 1,571,000 | 2,402,000 | 3,206,000 |
| Interest expense | 320,000 | 622,000 | 900,000 | 1,170,000 |
| Net interest income | 462,000 | 949,000 | 1,502,000 | 2,036,000 |
| Noninterest income | 46,000 | 84,000 | 119,000 | 210,000 |
| Noninterest expense | 276,000 | 559,000 | 823,000 | 1,166,000 |
| Provision for loan losses | 0 | 25,000 | 55,000 | 55,000 |
| Pretax income | 232,000 | 449,000 | 743,000 | 1,025,000 |
| Income tax | 70,000 | 144,000 | 246,000 | 308,000 |
| Net income | 162,000 | 305,000 | 497,000 | 717,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,170,000 | 6,313,000 | 6,493,000 | 6,063,000 |
| Total capital | 6,662,000 | 6,831,000 | 7,041,000 | 6,593,000 |
| Risk-weighted assets | 45,039,000 | 48,967,000 | 52,823,000 | 48,675,000 |