Call reports 2010
ADAMS COUNTY BANK — 2010
What ADAMS COUNTY BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 86,605,000 | 93,331,000 | 97,791,000 | 90,945,000 |
| Total loans | 62,876,000 | 71,987,000 | 79,903,000 | 72,813,000 |
| Allowance for loan losses | 784,000 | 784,000 | 823,000 | 823,000 |
| Securities available for sale | 9,758,000 | 8,168,000 | 5,941,000 | 7,240,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 69,207,000 | 66,914,000 | 66,169,000 | 71,648,000 |
| Interest-bearing deposits | 59,030,000 | 58,188,000 | 57,728,000 | 59,318,000 |
| Noninterest-bearing deposits | 10,177,000 | 8,726,000 | 8,441,000 | 12,330,000 |
| Equity capital | 8,667,000 | 8,925,000 | 9,140,000 | 8,249,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 965,000 | 2,043,000 | 3,074,000 | 4,146,000 |
| Interest expense | 275,000 | 596,000 | 817,000 | 1,091,000 |
| Net interest income | 690,000 | 1,447,000 | 2,257,000 | 3,055,000 |
| Noninterest income | 38,000 | 87,000 | 150,000 | 391,000 |
| Noninterest expense | 432,000 | 874,000 | 1,315,000 | 2,230,000 |
| Provision for loan losses | 0 | 0 | 50,000 | 50,000 |
| Pretax income | 296,000 | 660,000 | 1,042,000 | 1,166,000 |
| Income tax | 56,000 | 164,000 | 323,000 | 283,000 |
| Net income | 240,000 | 496,000 | 719,000 | 883,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,635,000 | 8,892,000 | 9,103,000 | 8,266,000 |
| Total capital | 9,419,000 | 9,676,000 | 9,926,000 | 9,089,000 |
| Risk-weighted assets | 68,802,000 | 77,422,000 | 84,745,000 | 77,446,000 |