Call reports 2016
ADAMS COUNTY BANK — 2016
What ADAMS COUNTY BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 164,901,000 | 166,250,000 | 170,069,000 | 167,677,000 |
| Total loans | 96,185,000 | 99,337,000 | 104,985,000 | 99,766,000 |
| Allowance for loan losses | 995,000 | 1,000,000 | 1,001,000 | 1,003,000 |
| Securities available for sale | 27,964,000 | 26,749,000 | 25,611,000 | 27,118,000 |
| Securities held to maturity | 27,633,000 | 26,534,000 | 25,742,000 | 24,651,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 104,890,000 | 108,971,000 | 110,306,000 | 113,231,000 |
| Interest-bearing deposits | 85,395,000 | 92,659,000 | 95,466,000 | 92,703,000 |
| Noninterest-bearing deposits | 19,495,000 | 16,312,000 | 14,840,000 | 20,528,000 |
| Equity capital | 12,461,000 | 12,870,000 | 13,404,000 | 13,146,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,450,000 | 2,849,000 | 4,328,000 | 5,759,000 |
| Interest expense | 309,000 | 635,000 | 972,000 | 1,306,000 |
| Net interest income | 1,141,000 | 2,214,000 | 3,356,000 | 4,453,000 |
| Noninterest income | 46,000 | 104,000 | 156,000 | 262,000 |
| Noninterest expense | 566,000 | 1,161,000 | 1,752,000 | 2,750,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 621,000 | 1,157,000 | 1,760,000 | 1,965,000 |
| Income tax | 13,000 | 26,000 | 39,000 | 52,000 |
| Net income | 608,000 | 1,131,000 | 1,721,000 | 1,913,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,029,000 | 13,382,000 | 13,854,000 | 13,971,000 |
| Total capital | 14,024,000 | 14,382,000 | 14,855,000 | 14,974,000 |
| Risk-weighted assets | 115,744,000 | 118,232,000 | 123,709,000 | 120,454,000 |