Call reports 2008
FIRSTBANK OF ADAMS COUNTY — 2008
What FIRSTBANK OF ADAMS COUNTY reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 153,090,000 | 162,798,000 | 167,156,000 | 177,011,000 |
| Total loans | 38,037,000 | 39,511,000 | 46,818,000 | 51,581,000 |
| Allowance for loan losses | 563,000 | 583,000 | 660,000 | 915,000 |
| Securities available for sale | 41,005,000 | 48,858,000 | 48,777,000 | 46,688,000 |
| Securities held to maturity | 51,491,000 | 53,474,000 | 54,797,000 | 57,699,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 141,862,000 | 146,385,000 | 150,571,000 | 161,090,000 |
| Interest-bearing deposits | 110,947,000 | 114,798,000 | 122,014,000 | 134,278,000 |
| Noninterest-bearing deposits | 30,915,000 | 31,587,000 | 28,557,000 | 26,812,000 |
| Equity capital | 9,766,000 | 9,663,000 | 10,377,000 | 9,998,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,950,000 | 4,016,000 | 6,188,000 | 8,495,000 |
| Interest expense | 831,000 | 1,539,000 | 2,207,000 | 2,908,000 |
| Net interest income | 1,119,000 | 2,477,000 | 3,981,000 | 5,587,000 |
| Noninterest income | 923,000 | 1,934,000 | 2,983,000 | 3,991,000 |
| Noninterest expense | 1,417,000 | 2,920,000 | 4,341,000 | 5,769,000 |
| Provision for loan losses | 210,000 | 255,000 | 377,000 | 665,000 |
| Pretax income | 415,000 | 1,255,000 | 2,265,000 | 3,163,000 |
| Income tax | 14,000 | 179,000 | 424,000 | 597,000 |
| Net income | 401,000 | 1,076,000 | 1,841,000 | 2,566,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,909,000 | 9,384,000 | 9,948,000 | 10,474,000 |
| Total capital | 9,480,000 | 9,979,000 | 10,625,000 | 11,409,000 |
| Risk-weighted assets | 62,836,000 | 66,227,000 | 72,618,000 | 79,325,000 |