Call reports 2025
ADAMS BANK & TRUST — 2025
What ADAMS BANK & TRUST reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 1,337,820,000 | 1,311,057,000 | 1,295,776,000 | 1,340,848,000 |
| Total loans | 840,202,000 | 863,386,000 | 868,866,000 | 894,830,000 |
| Allowance for loan losses | 11,006,000 | 10,960,000 | 11,178,000 | 11,179,000 |
| Securities available for sale | 7,512,000 | 8,176,000 | 8,606,000 | 8,645,000 |
| Securities held to maturity | 315,523,000 | 298,613,000 | 258,505,000 | 226,016,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,105,199,000 | 1,084,785,000 | 1,091,186,000 | 1,139,261,000 |
| Interest-bearing deposits | 918,869,000 | 904,653,000 | 903,973,000 | 952,824,000 |
| Noninterest-bearing deposits | 186,330,000 | 180,132,000 | 187,213,000 | 186,437,000 |
| Equity capital | 166,744,000 | 168,608,000 | 173,498,000 | 179,608,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 21,377,000 | 43,063,000 | 64,404,000 | 85,335,000 |
| Interest expense | 6,686,000 | 12,881,000 | 18,812,000 | 24,384,000 |
| Net interest income | 14,691,000 | 30,182,000 | 45,592,000 | 60,951,000 |
| Noninterest income | 1,484,000 | 3,083,000 | 4,800,000 | 6,822,000 |
| Noninterest expense | 10,346,000 | 20,725,000 | 31,271,000 | 41,758,000 |
| Provision for loan losses | -1,165,000 | -490,000 | -89,000 | -69,000 |
| Pretax income | 4,784,000 | 6,949,000 | 12,179,000 | 20,136,000 |
| Income tax | 1,030,000 | 1,743,000 | 2,702,000 | 4,030,000 |
| Net income | 3,754,000 | 5,206,000 | 9,477,000 | 16,106,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 169,203,000 | 170,655,000 | 174,926,000 | 181,555,000 |