Call reports 2014
ADAMS COUNTY BANK — 2014
What ADAMS COUNTY BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 153,583,000 | 161,348,000 | 160,135,000 | 168,363,000 |
| Total loans | 88,991,000 | 96,830,000 | 97,346,000 | 99,018,000 |
| Allowance for loan losses | 850,000 | 950,000 | 951,000 | 952,000 |
| Securities available for sale | 23,796,000 | 23,536,000 | 22,285,000 | 26,683,000 |
| Securities held to maturity | 22,790,000 | 23,746,000 | 25,091,000 | 24,765,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 110,430,000 | 109,986,000 | 109,581,000 | 110,856,000 |
| Interest-bearing deposits | 89,907,000 | 88,977,000 | 91,648,000 | 86,877,000 |
| Noninterest-bearing deposits | 20,523,000 | 21,009,000 | 17,933,000 | 23,979,000 |
| Equity capital | 10,693,000 | 11,256,000 | 11,831,000 | 11,923,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,357,000 | 2,679,000 | 4,111,000 | 5,527,000 |
| Interest expense | 295,000 | 542,000 | 833,000 | 1,116,000 |
| Net interest income | 1,062,000 | 2,137,000 | 3,278,000 | 4,411,000 |
| Noninterest income | 53,000 | 109,000 | 174,000 | 230,000 |
| Noninterest expense | 495,000 | 987,000 | 1,507,000 | 2,596,000 |
| Provision for loan losses | 0 | 100,000 | 100,000 | 100,000 |
| Pretax income | 573,000 | 1,112,000 | 1,803,000 | 1,903,000 |
| Income tax | 12,000 | 24,000 | 36,000 | 52,000 |
| Net income | 561,000 | 1,088,000 | 1,767,000 | 1,851,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,364,000 | 11,785,000 | 12,387,000 | 12,458,000 |
| Total capital | 12,214,000 | 12,735,000 | 13,338,000 | 13,410,000 |
| Risk-weighted assets | 100,951,000 | 109,252,000 | 110,117,000 | 112,542,000 |