Call reports 2023
ADAMS COUNTY BANK — 2023
What ADAMS COUNTY BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 229,248,000 | 220,703,000 | 223,221,000 | 231,458,000 |
| Total loans | 113,891,000 | 126,236,000 | 134,713,000 | 141,077,000 |
| Allowance for loan losses | 1,212,000 | 1,201,000 | 1,196,000 | 1,126,000 |
| Securities available for sale | 41,572,000 | 40,160,000 | 38,476,000 | 38,493,000 |
| Securities held to maturity | 32,051,000 | 31,118,000 | 32,492,000 | 31,635,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 150,007,000 | 141,118,000 | 137,231,000 | 137,112,000 |
| Interest-bearing deposits | 113,758,000 | 111,609,000 | 110,967,000 | 107,371,000 |
| Noninterest-bearing deposits | 36,249,000 | 29,509,000 | 26,264,000 | 29,741,000 |
| Equity capital | 16,038,000 | 16,459,000 | 16,919,000 | 18,577,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 2,357,000 | 4,794,000 | 7,324,000 | 10,016,000 |
| Interest expense | 903,000 | 1,963,000 | 3,092,000 | 4,373,000 |
| Net interest income | 1,454,000 | 2,831,000 | 4,232,000 | 5,643,000 |
| Noninterest income | 58,000 | 125,000 | 186,000 | 568,000 |
| Noninterest expense | 608,000 | 1,240,000 | 1,832,000 | 3,076,000 |
| Provision for loan losses | 0 | 0 | 0 | -70,000 |
| Pretax income | 904,000 | 1,716,000 | 2,586,000 | 3,135,000 |
| Income tax | 14,000 | 29,000 | 43,000 | 60,000 |
| Net income | 890,000 | 1,687,000 | 2,543,000 | 3,075,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,624,000 | 22,422,000 | 23,273,000 | 23,755,000 |
| Total capital | 22,836,000 | 23,623,000 | 24,469,000 | 24,951,000 |
| Risk-weighted assets | 150,153,000 | 156,794,000 | 163,431,000 | 169,939,000 |