Call reports 2005
ADAMS BANK & TRUST — 2005
What ADAMS BANK & TRUST 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 | 348,543,000 | 368,060,000 | 387,327,000 | 399,061,000 |
| Total loans | 286,569,000 | 297,022,000 | 309,959,000 | 305,745,000 |
| Allowance for loan losses | 5,619,000 | 5,771,000 | 6,107,000 | 5,449,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 39,008,000 | 46,008,000 | 48,008,000 | 56,008,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 265,412,000 | 268,258,000 | 275,952,000 | 286,029,000 |
| Interest-bearing deposits | 227,048,000 | 223,344,000 | 223,802,000 | 226,601,000 |
| Noninterest-bearing deposits | 38,364,000 | 44,914,000 | 52,150,000 | 59,429,000 |
| Equity capital | 29,347,000 | 30,024,000 | 29,803,000 | 30,475,000 |
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 | 5,616,000 | 11,534,000 | 17,928,000 | 24,584,000 |
| Interest expense | 1,646,000 | 3,522,000 | 5,657,000 | 7,961,000 |
| Net interest income | 3,970,000 | 8,012,000 | 12,271,000 | 16,623,000 |
| Noninterest income | 674,000 | 1,545,000 | 2,414,000 | 3,350,000 |
| Noninterest expense | 3,590,000 | 6,970,000 | 10,673,000 | 14,592,000 |
| Provision for loan losses | 254,000 | 516,000 | 745,000 | 958,000 |
| Pretax income | 801,000 | 2,072,000 | 3,267,000 | 4,423,000 |
| Income tax | 260,000 | 604,000 | 1,020,000 | 1,504,000 |
| Net income | 541,000 | 1,468,000 | 2,247,000 | 2,919,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,489,000 | 29,166,000 | 28,945,000 | 29,811,000 |
| Total capital | 32,190,000 | 33,016,000 | 33,018,000 | 33,899,000 |
| Risk-weighted assets | 294,185,000 | 306,081,000 | 323,798,000 | 325,703,000 |