Call reports 2004
ADAMS BANK & TRUST — 2004
What ADAMS BANK & TRUST 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 | 277,029,000 | 339,348,000 | 351,210,000 | 359,018,000 |
| Total loans | 215,501,000 | 265,777,000 | 282,120,000 | 284,708,000 |
| Allowance for loan losses | 4,089,000 | 5,125,000 | 5,244,000 | 5,396,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 39,008,000 | 51,008,000 | 47,462,000 | 45,007,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 226,866,000 | 258,161,000 | 260,252,000 | 261,284,000 |
| Interest-bearing deposits | 196,358,000 | 215,884,000 | 220,409,000 | 217,077,000 |
| Noninterest-bearing deposits | 30,508,000 | 42,277,000 | 39,843,000 | 44,207,000 |
| Equity capital | 22,445,000 | 28,883,000 | 29,277,000 | 29,806,000 |
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 | 4,448,000 | 9,609,000 | 15,080,000 | 20,788,000 |
| Interest expense | 1,074,000 | 2,281,000 | 3,660,000 | 5,209,000 |
| Net interest income | 3,374,000 | 7,328,000 | 11,420,000 | 15,579,000 |
| Noninterest income | 744,000 | 1,604,000 | 2,355,000 | 3,235,000 |
| Noninterest expense | 2,804,000 | 6,255,000 | 10,001,000 | 13,725,000 |
| Provision for loan losses | 211,000 | 393,000 | 569,000 | 976,000 |
| Pretax income | 1,103,000 | 2,284,000 | 3,205,000 | 4,113,000 |
| Income tax | 400,000 | 756,000 | 1,033,000 | 1,412,000 |
| Net income | 703,000 | 1,528,000 | 2,172,000 | 2,701,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,156,000 | 27,930,000 | 28,324,000 | 28,948,000 |
| Total capital | 24,945,000 | 31,366,000 | 31,955,000 | 32,652,000 |
| Risk-weighted assets | 221,805,000 | 273,230,000 | 288,896,000 | 294,597,000 |