Call reports 2003
ADAMS BANK & TRUST — 2003
What ADAMS BANK & TRUST 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 | 271,027,000 | 273,800,000 | 284,265,000 | 286,572,000 |
| Total loans | 221,497,000 | 228,147,000 | 228,774,000 | 217,914,000 |
| Allowance for loan losses | 3,815,000 | 4,031,000 | 4,100,000 | 3,954,000 |
| Securities available for sale | 14,688,000 | 20,731,000 | 0 | 0 |
| Securities held to maturity | 31,000 | 22,000 | 38,010,000 | 41,009,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 224,755,000 | 226,453,000 | 226,704,000 | 235,444,000 |
| Interest-bearing deposits | 198,871,000 | 201,045,000 | 199,141,000 | 202,799,000 |
| Noninterest-bearing deposits | 25,884,000 | 25,408,000 | 27,563,000 | 32,645,000 |
| Equity capital | 21,552,000 | 21,794,000 | 22,496,000 | 22,769,000 |
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 | 4,478,000 | 8,977,000 | 13,606,000 | 18,197,000 |
| Interest expense | 1,296,000 | 2,565,000 | 3,751,000 | 4,915,000 |
| Net interest income | 3,182,000 | 6,412,000 | 9,855,000 | 13,282,000 |
| Noninterest income | 681,000 | 1,512,000 | 2,294,000 | 3,036,000 |
| Noninterest expense | 2,508,000 | 5,138,000 | 7,961,000 | 10,932,000 |
| Provision for loan losses | 930,000 | 1,148,000 | 1,359,000 | 1,672,000 |
| Pretax income | 430,000 | 1,648,000 | 2,841,000 | 3,727,000 |
| Income tax | 283,000 | 528,000 | 958,000 | 1,271,000 |
| Net income | 147,000 | 1,120,000 | 1,883,000 | 2,456,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,276,000 | 21,392,000 | 22,151,000 | 22,543,000 |
| Total capital | 24,073,000 | 24,263,000 | 25,075,000 | 25,373,000 |
| Risk-weighted assets | 222,734,000 | 228,522,000 | 232,723,000 | 225,312,000 |