Call reports 2009
ADAMS COUNTY BANK — 2009
What ADAMS COUNTY BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 80,996,000 | 82,251,000 | 87,569,000 | 88,757,000 |
| Total loans | 63,959,000 | 66,141,000 | 70,447,000 | 65,066,000 |
| Allowance for loan losses | 742,000 | 792,000 | 752,000 | 783,000 |
| Securities available for sale | 5,781,000 | 4,375,000 | 6,430,000 | 9,542,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 68,356,000 | 68,816,000 | 67,196,000 | 69,859,000 |
| Interest-bearing deposits | 58,944,000 | 58,891,000 | 58,313,000 | 58,706,000 |
| Noninterest-bearing deposits | 9,412,000 | 9,925,000 | 8,883,000 | 11,153,000 |
| Equity capital | 8,038,000 | 8,254,000 | 8,514,000 | 8,404,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,051,000 | 2,130,000 | 3,175,000 | 4,200,000 |
| Interest expense | 370,000 | 718,000 | 1,046,000 | 1,363,000 |
| Net interest income | 681,000 | 1,412,000 | 2,129,000 | 2,837,000 |
| Noninterest income | 42,000 | 92,000 | 136,000 | 197,000 |
| Noninterest expense | 368,000 | 776,000 | 1,203,000 | 1,723,000 |
| Provision for loan losses | 0 | 50,000 | 50,000 | 100,000 |
| Pretax income | 355,000 | 678,000 | 1,012,000 | 1,211,000 |
| Income tax | 112,000 | 212,000 | 282,000 | 372,000 |
| Net income | 243,000 | 466,000 | 730,000 | 839,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,028,000 | 8,239,000 | 8,504,000 | 8,400,000 |
| Total capital | 8,770,000 | 9,031,000 | 9,256,000 | 9,183,000 |
| Risk-weighted assets | 66,278,000 | 68,614,000 | 73,976,000 | 70,672,000 |