Call reports 2006
ADAMS COUNTY BANK — 2006
What ADAMS COUNTY BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 61,491,000 | 64,381,000 | 68,207,000 | 66,897,000 |
| Total loans | 54,894,000 | 58,166,000 | 60,776,000 | 56,505,000 |
| Allowance for loan losses | 614,000 | 617,000 | 617,000 | 616,000 |
| Securities available for sale | 2,521,000 | 2,508,000 | 2,518,000 | 3,321,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 48,282,000 | 46,792,000 | 46,219,000 | 51,918,000 |
| Interest-bearing deposits | 41,319,000 | 41,184,000 | 41,251,000 | 42,461,000 |
| Noninterest-bearing deposits | 6,963,000 | 5,608,000 | 4,968,000 | 9,457,000 |
| Equity capital | 6,819,000 | 7,017,000 | 7,250,000 | 6,916,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 968,000 | 1,999,000 | 3,122,000 | 4,243,000 |
| Interest expense | 382,000 | 838,000 | 1,380,000 | 1,954,000 |
| Net interest income | 586,000 | 1,161,000 | 1,742,000 | 2,289,000 |
| Noninterest income | 35,000 | 71,000 | 109,000 | 212,000 |
| Noninterest expense | 304,000 | 600,000 | 912,000 | 1,354,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 317,000 | 632,000 | 939,000 | 1,147,000 |
| Income tax | 98,000 | 193,000 | 285,000 | 329,000 |
| Net income | 219,000 | 439,000 | 654,000 | 818,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,844,000 | 7,052,000 | 7,267,000 | 6,931,000 |
| Total capital | 7,458,000 | 7,669,000 | 7,884,000 | 7,547,000 |
| Risk-weighted assets | 54,263,000 | 57,849,000 | 60,971,000 | 57,733,000 |