Call reports 2004
ADAMS COUNTY BANK — 2004
What ADAMS COUNTY BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 62,846,000 | 62,876,000 | 69,282,000 | 63,472,000 |
| Total loans | 46,666,000 | 51,878,000 | 57,289,000 | 53,632,000 |
| Allowance for loan losses | 530,000 | 534,000 | 567,000 | 567,000 |
| Securities available for sale | 4,603,000 | 3,788,000 | 3,617,000 | 3,593,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 50,509,000 | 46,959,000 | 50,109,000 | 47,162,000 |
| Interest-bearing deposits | 43,173,000 | 41,546,000 | 43,723,000 | 40,780,000 |
| Noninterest-bearing deposits | 7,336,000 | 5,413,000 | 6,386,000 | 6,382,000 |
| Equity capital | 6,293,000 | 6,463,000 | 6,667,000 | 6,405,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 768,000 | 1,568,000 | 2,448,000 | 3,338,000 |
| Interest expense | 249,000 | 494,000 | 763,000 | 1,051,000 |
| Net interest income | 519,000 | 1,074,000 | 1,685,000 | 2,287,000 |
| Noninterest income | 30,000 | 62,000 | 109,000 | 185,000 |
| Noninterest expense | 285,000 | 575,000 | 857,000 | 1,206,000 |
| Provision for loan losses | 0 | 0 | 40,000 | 40,000 |
| Pretax income | 264,000 | 561,000 | 897,000 | 1,226,000 |
| Income tax | 81,000 | 174,000 | 292,000 | 372,000 |
| Net income | 183,000 | 387,000 | 605,000 | 854,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,234,000 | 6,438,000 | 6,644,000 | 6,393,000 |
| Total capital | 6,764,000 | 6,972,000 | 7,211,000 | 6,960,000 |
| Risk-weighted assets | 47,650,000 | 51,868,000 | 57,790,000 | 54,305,000 |