Call reports 2005
FIRSTBANK OF ADAMS COUNTY — 2005
What FIRSTBANK OF ADAMS COUNTY reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 108,302,000 | 109,377,000 | 111,804,000 | 112,938,000 |
| Total loans | 25,305,000 | 26,066,000 | 27,321,000 | 28,503,000 |
| Allowance for loan losses | 313,000 | 289,000 | 305,000 | 298,000 |
| Securities available for sale | 38,616,000 | 37,735,000 | 36,030,000 | 34,847,000 |
| Securities held to maturity | 32,672,000 | 33,070,000 | 35,543,000 | 36,780,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 95,214,000 | 97,778,000 | 95,581,000 | 98,386,000 |
| Interest-bearing deposits | 71,153,000 | 73,220,000 | 70,080,000 | 72,200,000 |
| Noninterest-bearing deposits | 24,061,000 | 24,558,000 | 25,501,000 | 26,186,000 |
| Equity capital | 8,463,000 | 8,899,000 | 8,603,000 | 8,388,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,323,000 | 2,682,000 | 4,046,000 | 5,425,000 |
| Interest expense | 318,000 | 684,000 | 1,117,000 | 1,639,000 |
| Net interest income | 1,005,000 | 1,998,000 | 2,929,000 | 3,786,000 |
| Noninterest income | 602,000 | 1,271,000 | 1,979,000 | 2,674,000 |
| Noninterest expense | 1,177,000 | 2,387,000 | 3,607,000 | 4,794,000 |
| Provision for loan losses | 18,000 | 5,000 | 41,000 | 49,000 |
| Pretax income | 309,000 | 774,000 | 1,157,000 | 1,514,000 |
| Income tax | -2,000 | 53,000 | 79,000 | 88,000 |
| Net income | 311,000 | 721,000 | 1,078,000 | 1,426,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,005,000 | 8,214,000 | 8,223,000 | 8,071,000 |
| Total capital | 8,318,000 | 8,503,000 | 8,528,000 | 8,369,000 |
| Risk-weighted assets | 44,191,000 | 45,244,000 | 46,626,000 | 47,325,000 |