Call reports 2006
ADAMS BANK & TRUST — 2006
What ADAMS BANK & TRUST reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 396,152,000 | 409,342,000 | 440,621,000 | 434,690,000 |
| Total loans | 308,934,000 | 319,856,000 | 345,239,000 | 341,941,000 |
| Allowance for loan losses | 5,594,000 | 5,597,000 | 5,781,000 | 5,510,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 55,997,000 | 55,997,000 | 55,997,000 | 55,991,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 285,351,000 | 283,609,000 | 297,989,000 | 308,988,000 |
| Interest-bearing deposits | 241,035,000 | 239,223,000 | 248,579,000 | 255,829,000 |
| Noninterest-bearing deposits | 44,316,000 | 44,386,000 | 49,410,000 | 53,159,000 |
| Equity capital | 30,909,000 | 31,979,000 | 32,450,000 | 33,602,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 6,681,000 | 14,053,000 | 21,529,000 | 29,501,000 |
| Interest expense | 2,519,000 | 5,424,000 | 8,823,000 | 12,307,000 |
| Net interest income | 4,162,000 | 8,629,000 | 12,706,000 | 17,194,000 |
| Noninterest income | 1,003,000 | 2,132,000 | 3,206,000 | 4,353,000 |
| Noninterest expense | 3,902,000 | 7,656,000 | 11,484,000 | 15,254,000 |
| Provision for loan losses | 237,000 | 476,000 | 660,000 | 889,000 |
| Pretax income | 1,026,000 | 2,629,000 | 3,768,000 | 5,404,000 |
| Income tax | 342,000 | 875,000 | 1,293,000 | 1,777,000 |
| Net income | 684,000 | 1,754,000 | 2,475,000 | 3,627,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,245,000 | 31,315,000 | 31,879,000 | 33,086,000 |
| Total capital | 34,355,000 | 35,668,000 | 36,433,000 | 37,648,000 |
| Risk-weighted assets | 327,345,000 | 347,023,000 | 363,079,000 | 364,051,000 |