Call reports 2008
ADAMS BANK & TRUST — 2008
What ADAMS BANK & TRUST reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 433,544,000 | 446,774,000 | 477,433,000 | 480,763,000 |
| Total loans | 356,004,000 | 377,563,000 | 405,825,000 | 404,055,000 |
| Allowance for loan losses | 5,332,000 | 5,393,000 | 5,769,000 | 5,715,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 40,345,000 | 31,641,000 | 31,640,000 | 28,440,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 317,767,000 | 328,015,000 | 343,565,000 | 358,885,000 |
| Interest-bearing deposits | 267,531,000 | 280,800,000 | 284,964,000 | 293,886,000 |
| Noninterest-bearing deposits | 50,236,000 | 47,215,000 | 58,601,000 | 64,999,000 |
| Equity capital | 37,056,000 | 37,997,000 | 38,814,000 | 39,816,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 7,462,000 | 14,719,000 | 22,359,000 | 30,000,000 |
| Interest expense | 2,848,000 | 5,288,000 | 7,816,000 | 10,106,000 |
| Net interest income | 4,614,000 | 9,431,000 | 14,543,000 | 19,894,000 |
| Noninterest income | 1,092,000 | 2,263,000 | 3,394,000 | 4,448,000 |
| Noninterest expense | 3,976,000 | 8,281,000 | 12,712,000 | 17,098,000 |
| Provision for loan losses | 114,000 | 314,000 | 708,000 | 1,071,000 |
| Pretax income | 1,616,000 | 3,099,000 | 4,517,000 | 6,173,000 |
| Income tax | 420,000 | 967,000 | 1,568,000 | 1,922,000 |
| Net income | 1,196,000 | 2,132,000 | 2,949,000 | 4,251,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,612,000 | 37,553,000 | 38,370,000 | 39,308,000 |
| Total capital | 41,347,000 | 42,545,000 | 43,676,000 | 44,609,000 |
| Risk-weighted assets | 378,189,000 | 398,989,000 | 424,011,000 | 423,638,000 |