Call reports 2004
FIRSTBANK OF ADAMS COUNTY — 2004
What FIRSTBANK OF ADAMS COUNTY reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 112,468,000 | 110,208,000 | 127,310,000 | 111,711,000 |
| Total loans | 20,737,000 | 22,295,000 | 22,887,000 | 24,019,000 |
| Allowance for loan losses | 270,000 | 298,000 | 268,000 | 300,000 |
| Securities available for sale | 59,926,000 | 55,657,000 | 57,954,000 | 49,876,000 |
| Securities held to maturity | 22,219,000 | 22,966,000 | 27,214,000 | 26,935,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 92,673,000 | 95,475,000 | 114,499,000 | 93,654,000 |
| Interest-bearing deposits | 70,604,000 | 72,912,000 | 92,278,000 | 67,637,000 |
| Noninterest-bearing deposits | 22,069,000 | 22,562,000 | 22,221,000 | 26,018,000 |
| Equity capital | 8,363,000 | 7,826,000 | 8,734,000 | 8,335,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,140,000 | 2,464,000 | 3,809,000 | 5,179,000 |
| Interest expense | 258,000 | 524,000 | 815,000 | 1,159,000 |
| Net interest income | 882,000 | 1,940,000 | 2,994,000 | 4,020,000 |
| Noninterest income | 636,000 | 1,318,000 | 1,998,000 | 2,659,000 |
| Noninterest expense | 1,038,000 | 2,143,000 | 3,219,000 | 4,333,000 |
| Provision for loan losses | 12,000 | 56,000 | 36,000 | 93,000 |
| Pretax income | 468,000 | 1,059,000 | 1,737,000 | 2,288,000 |
| Income tax | 65,000 | 173,000 | 308,000 | 402,000 |
| Net income | 403,000 | 886,000 | 1,429,000 | 1,886,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,366,000 | 7,744,000 | 7,937,000 | 7,694,000 |
| Total capital | 7,636,000 | 8,042,000 | 8,205,000 | 7,994,000 |
| Risk-weighted assets | 39,982,000 | 40,328,000 | 43,867,000 | 42,236,000 |