Call reports 2007
ADAMS COUNTY BANK — 2007
What ADAMS COUNTY BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 67,951,000 | 73,661,000 | 77,588,000 | 75,189,000 |
| Total loans | 59,967,000 | 65,326,000 | 68,323,000 | 62,845,000 |
| Allowance for loan losses | 616,000 | 620,000 | 617,000 | 617,000 |
| Securities available for sale | 3,411,000 | 3,213,000 | 3,219,000 | 2,725,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 52,748,000 | 52,569,000 | 52,985,000 | 59,730,000 |
| Interest-bearing deposits | 46,579,000 | 45,788,000 | 46,291,000 | 50,695,000 |
| Noninterest-bearing deposits | 6,169,000 | 6,781,000 | 6,694,000 | 9,035,000 |
| Equity capital | 7,109,000 | 7,318,000 | 7,573,000 | 7,308,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,128,000 | 2,378,000 | 3,714,000 | 4,990,000 |
| Interest expense | 550,000 | 1,175,000 | 1,868,000 | 2,543,000 |
| Net interest income | 578,000 | 1,203,000 | 1,846,000 | 2,447,000 |
| Noninterest income | 38,000 | 76,000 | 110,000 | 227,000 |
| Noninterest expense | 319,000 | 644,000 | 970,000 | 1,382,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 297,000 | 635,000 | 986,000 | 1,292,000 |
| Income tax | 97,000 | 206,000 | 320,000 | 394,000 |
| Net income | 200,000 | 429,000 | 666,000 | 898,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,118,000 | 7,335,000 | 7,573,000 | 7,305,000 |
| Total capital | 7,734,000 | 7,955,000 | 8,190,000 | 7,922,000 |
| Risk-weighted assets | 60,482,000 | 66,492,000 | 70,571,000 | 65,673,000 |