Call reports 2025
ADAMS COUNTY BANK — 2025
What ADAMS COUNTY BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 241,072,000 | 237,214,000 | 236,275,000 | 240,243,000 |
| Total loans | 142,254,000 | 144,481,000 | 156,150,000 | 158,027,000 |
| Allowance for loan losses | 1,380,000 | 1,380,000 | 1,381,000 | 1,671,000 |
| Securities available for sale | 33,800,000 | 33,867,000 | 33,240,000 | 31,898,000 |
| Securities held to maturity | 29,966,000 | 31,966,000 | 33,458,000 | 33,156,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 159,797,000 | 155,309,000 | 145,715,000 | 148,645,000 |
| Interest-bearing deposits | 129,902,000 | 129,137,000 | 122,784,000 | 121,456,000 |
| Noninterest-bearing deposits | 29,895,000 | 26,172,000 | 22,931,000 | 27,189,000 |
| Equity capital | 20,617,000 | 21,561,000 | 23,560,000 | 24,147,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 2,852,000 | 5,762,000 | 8,693,000 | 11,643,000 |
| Interest expense | 1,291,000 | 2,564,000 | 3,822,000 | 5,232,000 |
| Net interest income | 1,561,000 | 3,198,000 | 4,871,000 | 6,411,000 |
| Noninterest income | 55,000 | 118,000 | 178,000 | 713,000 |
| Noninterest expense | 718,000 | 1,412,000 | 2,070,000 | 3,410,000 |
| Provision for loan losses | 0 | 0 | 0 | 290,000 |
| Pretax income | 898,000 | 1,904,000 | 2,979,000 | 3,414,000 |
| Income tax | 14,000 | 29,000 | 43,000 | 46,000 |
| Net income | 884,000 | 1,875,000 | 2,936,000 | 3,368,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,269,000 | 26,261,000 | 27,322,000 | 27,671,000 |
| Total capital | 26,719,000 | 27,711,000 | 28,773,000 | 29,422,000 |
| Risk-weighted assets | 171,786,000 | 172,711,000 | 181,439,000 | 177,844,000 |