Call reports 2015
ADAMS COUNTY BANK — 2015
What ADAMS COUNTY BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 156,843,000 | 166,513,000 | 174,301,000 | 176,038,000 |
| Total loans | 86,319,000 | 94,073,000 | 102,467,000 | 102,584,000 |
| Allowance for loan losses | 953,000 | 950,000 | 1,001,000 | 1,001,000 |
| Securities available for sale | 29,486,000 | 29,181,000 | 28,546,000 | 28,331,000 |
| Securities held to maturity | 26,912,000 | 28,234,000 | 28,868,000 | 28,046,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 109,429,000 | 106,554,000 | 110,327,000 | 110,903,000 |
| Interest-bearing deposits | 87,915,000 | 88,428,000 | 93,421,000 | 89,384,000 |
| Noninterest-bearing deposits | 21,514,000 | 18,126,000 | 16,906,000 | 21,519,000 |
| Equity capital | 11,400,000 | 11,669,000 | 12,207,000 | 12,352,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,333,000 | 2,697,000 | 4,163,000 | 5,659,000 |
| Interest expense | 283,000 | 584,000 | 901,000 | 1,216,000 |
| Net interest income | 1,050,000 | 2,113,000 | 3,262,000 | 4,443,000 |
| Noninterest income | 89,000 | 138,000 | 221,000 | 292,000 |
| Noninterest expense | 537,000 | 1,076,000 | 1,646,000 | 2,629,000 |
| Provision for loan losses | 0 | 0 | 50,000 | 50,000 |
| Pretax income | 602,000 | 1,183,000 | 1,795,000 | 2,064,000 |
| Income tax | 13,000 | 26,000 | 39,000 | 51,000 |
| Net income | 589,000 | 1,157,000 | 1,756,000 | 2,013,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,972,000 | 12,324,000 | 12,830,000 | 13,023,000 |
| Total capital | 12,925,000 | 13,274,000 | 13,831,000 | 14,024,000 |
| Risk-weighted assets | 99,920,000 | 109,677,000 | 118,426,000 | 123,827,000 |