Call reports 2003
FIRSTBANK OF ADAMS COUNTY — 2003
What FIRSTBANK OF ADAMS COUNTY reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 93,744,000 | 102,435,000 | 97,291,000 | 97,560,000 |
| Total loans | 11,993,000 | 14,964,000 | 17,705,000 | 19,288,000 |
| Allowance for loan losses | 164,000 | 169,000 | 207,000 | 260,000 |
| Securities available for sale | 48,469,000 | 53,894,000 | 47,219,000 | 46,963,000 |
| Securities held to maturity | 20,179,000 | 20,683,000 | 20,716,000 | 21,242,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 86,015,000 | 85,667,000 | 89,052,000 | 86,869,000 |
| Interest-bearing deposits | 64,827,000 | 63,102,000 | 66,157,000 | 64,921,000 |
| Noninterest-bearing deposits | 21,187,000 | 22,565,000 | 22,895,000 | 21,949,000 |
| Equity capital | 6,968,000 | 7,352,000 | 7,522,000 | 7,811,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,036,000 | 2,119,000 | 3,177,000 | 4,210,000 |
| Interest expense | 262,000 | 543,000 | 812,000 | 1,063,000 |
| Net interest income | 774,000 | 1,576,000 | 2,365,000 | 3,147,000 |
| Noninterest income | 637,000 | 1,330,000 | 2,038,000 | 2,688,000 |
| Noninterest expense | 988,000 | 2,016,000 | 3,012,000 | 4,012,000 |
| Provision for loan losses | 34,000 | 43,000 | 96,000 | 166,000 |
| Pretax income | 389,000 | 847,000 | 1,295,000 | 1,657,000 |
| Income tax | 46,000 | 112,000 | 171,000 | 205,000 |
| Net income | 343,000 | 735,000 | 1,124,000 | 1,452,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,226,000 | 6,563,000 | 6,895,000 | 7,068,000 |
| Total capital | 6,390,000 | 6,732,000 | 7,102,000 | 7,328,000 |
| Risk-weighted assets | 32,242,000 | 35,327,000 | 35,013,000 | 36,109,000 |