Call reports 2007
ADAMS BANK & TRUST — 2007
What ADAMS BANK & TRUST reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 432,759,000 | 447,343,000 | 449,405,000 | 455,632,000 |
| Total loans | 345,452,000 | 352,710,000 | 354,836,000 | 348,873,000 |
| Allowance for loan losses | 5,771,000 | 5,685,000 | 5,465,000 | 5,539,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 53,992,000 | 56,382,000 | 56,432,000 | 51,432,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 304,452,000 | 324,299,000 | 325,192,000 | 327,403,000 |
| Interest-bearing deposits | 260,239,000 | 272,894,000 | 276,674,000 | 268,022,000 |
| Noninterest-bearing deposits | 44,212,000 | 51,405,000 | 48,518,000 | 59,381,000 |
| Equity capital | 34,220,000 | 35,498,000 | 36,928,000 | 37,656,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 7,804,000 | 15,819,000 | 23,981,000 | 31,956,000 |
| Interest expense | 3,342,000 | 6,766,000 | 10,272,000 | 13,557,000 |
| Net interest income | 4,462,000 | 9,053,000 | 13,709,000 | 18,399,000 |
| Noninterest income | 1,107,000 | 2,383,000 | 3,961,000 | 5,539,000 |
| Noninterest expense | 3,922,000 | 7,728,000 | 11,634,000 | 15,833,000 |
| Provision for loan losses | 338,000 | 514,000 | 646,000 | 754,000 |
| Pretax income | 1,309,000 | 3,194,000 | 5,390,000 | 7,351,000 |
| Income tax | 441,000 | 1,048,000 | 1,603,000 | 2,236,000 |
| Net income | 868,000 | 2,146,000 | 3,787,000 | 5,115,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,704,000 | 34,986,000 | 36,416,000 | 37,212,000 |
| Total capital | 38,284,000 | 39,662,000 | 41,148,000 | 41,973,000 |
| Risk-weighted assets | 365,243,000 | 373,103,000 | 377,844,000 | 380,090,000 |