Call reports 2005
ADAMS COUNTY BANK — 2005
What ADAMS COUNTY BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 59,140,000 | 63,424,000 | 65,944,000 | 62,794,000 |
| Total loans | 53,059,000 | 56,876,000 | 59,668,000 | 54,426,000 |
| Allowance for loan losses | 567,000 | 590,000 | 615,000 | 615,000 |
| Securities available for sale | 2,887,000 | 2,391,000 | 2,150,000 | 2,531,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 46,754,000 | 46,210,000 | 44,369,000 | 47,955,000 |
| Interest-bearing deposits | 40,458,000 | 40,753,000 | 39,546,000 | 40,311,000 |
| Noninterest-bearing deposits | 6,296,000 | 5,457,000 | 4,823,000 | 7,644,000 |
| Equity capital | 6,575,000 | 6,746,000 | 6,919,000 | 6,619,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 839,000 | 1,728,000 | 2,673,000 | 3,629,000 |
| Interest expense | 279,000 | 591,000 | 954,000 | 1,344,000 |
| Net interest income | 560,000 | 1,137,000 | 1,719,000 | 2,285,000 |
| Noninterest income | 37,000 | 73,000 | 102,000 | 179,000 |
| Noninterest expense | 309,000 | 634,000 | 950,000 | 1,317,000 |
| Provision for loan losses | 0 | 25,000 | 50,000 | 50,000 |
| Pretax income | 288,000 | 551,000 | 821,000 | 1,097,000 |
| Income tax | 87,000 | 173,000 | 260,000 | 329,000 |
| Net income | 201,000 | 378,000 | 561,000 | 768,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,582,000 | 6,747,000 | 6,930,000 | 6,637,000 |
| Total capital | 7,149,000 | 7,337,000 | 7,545,000 | 7,252,000 |
| Risk-weighted assets | 51,984,000 | 56,270,000 | 59,286,000 | 54,460,000 |