Call reports 2008
ADAMS COUNTY BANK — 2008
What ADAMS COUNTY BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 74,230,000 | 80,046,000 | 79,648,000 | 79,442,000 |
| Total loans | 59,067,000 | 63,837,000 | 69,477,000 | 63,955,000 |
| Allowance for loan losses | 617,000 | 617,000 | 740,000 | 742,000 |
| Securities available for sale | 1,475,000 | 1,992,000 | 1,969,000 | 1,980,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 62,651,000 | 67,794,000 | 62,032,000 | 67,032,000 |
| Interest-bearing deposits | 51,682,000 | 55,953,000 | 54,168,000 | 55,257,000 |
| Noninterest-bearing deposits | 10,969,000 | 11,841,000 | 7,864,000 | 11,775,000 |
| Equity capital | 7,498,000 | 7,711,000 | 7,805,000 | 7,801,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,169,000 | 2,275,000 | 3,418,000 | 4,563,000 |
| Interest expense | 558,000 | 1,043,000 | 1,516,000 | 1,966,000 |
| Net interest income | 611,000 | 1,232,000 | 1,902,000 | 2,597,000 |
| Noninterest income | 27,000 | 60,000 | 102,000 | 245,000 |
| Noninterest expense | 333,000 | 653,000 | 1,022,000 | 1,597,000 |
| Provision for loan losses | 0 | 0 | 125,000 | 125,000 |
| Pretax income | 305,000 | 639,000 | 857,000 | 1,120,000 |
| Income tax | 103,000 | 215,000 | 330,000 | 353,000 |
| Net income | 202,000 | 424,000 | 527,000 | 767,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,494,000 | 7,708,000 | 7,808,000 | 7,798,000 |
| Total capital | 8,111,000 | 8,325,000 | 8,548,000 | 8,540,000 |
| Risk-weighted assets | 61,262,000 | 66,836,000 | 72,050,000 | 67,074,000 |