Call reports 2003
ADAMS STATE BANK — 2003
What ADAMS STATE BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 25,968,000 | 26,249,000 | 26,670,000 | 26,514,000 |
| Total loans | 13,706,000 | 14,108,000 | 15,431,000 | 15,330,000 |
| Allowance for loan losses | 215,000 | 219,000 | 201,000 | 191,000 |
| Securities available for sale | 10,156,000 | 10,174,000 | 9,573,000 | 9,768,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 18,421,000 | 18,557,000 | 18,665,000 | 18,266,000 |
| Interest-bearing deposits | 16,193,000 | 16,351,000 | 16,298,000 | 15,721,000 |
| Noninterest-bearing deposits | 2,228,000 | 2,206,000 | 2,367,000 | 2,545,000 |
| Equity capital | 6,058,000 | 6,326,000 | 6,330,000 | 6,260,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 397,000 | 792,000 | 1,178,000 | 1,575,000 |
| Interest expense | 117,000 | 227,000 | 328,000 | 426,000 |
| Net interest income | 280,000 | 565,000 | 850,000 | 1,149,000 |
| Noninterest income | 25,000 | 53,000 | 87,000 | 116,000 |
| Noninterest expense | 109,000 | 207,000 | 356,000 | 753,000 |
| Provision for loan losses | -28,000 | 3,000 | -16,000 | -27,000 |
| Pretax income | 243,000 | 426,000 | 426,000 | 707,000 |
| Income tax | 70,000 | 125,000 | 150,000 | 217,000 |
| Net income | 173,000 | 301,000 | 276,000 | 490,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,988,000 | 6,116,000 | 6,091,000 | 6,305,000 |
| Total capital | 6,203,000 | 6,335,000 | 6,292,000 | 6,496,000 |
| Risk-weighted assets | 19,689,000 | 19,727,000 | 19,995,000 | 19,958,000 |