Call reports 2004
ADAMS STATE BANK — 2004
What ADAMS STATE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 26,661,000 | 26,119,000 | 25,782,000 | 25,459,000 |
| Total loans | 14,787,000 | 15,003,000 | 15,010,000 | 15,645,000 |
| Allowance for loan losses | 201,000 | 138,000 | 207,000 | 197,000 |
| Securities available for sale | 9,085,000 | 8,775,000 | 9,081,000 | 8,682,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 18,113,000 | 17,642,000 | 17,280,000 | 17,416,000 |
| Interest-bearing deposits | 15,720,000 | 15,359,000 | 15,160,000 | 14,728,000 |
| Noninterest-bearing deposits | 2,393,000 | 2,283,000 | 2,120,000 | 2,688,000 |
| Equity capital | 6,670,000 | 6,510,000 | 6,638,000 | 6,682,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 376,000 | 738,000 | 1,111,000 | 1,473,000 |
| Interest expense | 91,000 | 179,000 | 268,000 | 358,000 |
| Net interest income | 285,000 | 559,000 | 843,000 | 1,115,000 |
| Noninterest income | 25,000 | 54,000 | 86,000 | 112,000 |
| Noninterest expense | 125,000 | 240,000 | 410,000 | 607,000 |
| Provision for loan losses | 10,000 | -53,000 | 16,000 | 6,000 |
| Pretax income | 178,000 | 428,000 | 300,000 | 411,000 |
| Income tax | 9,000 | 9,000 | 9,000 | 9,000 |
| Net income | 169,000 | 419,000 | 291,000 | 402,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,472,000 | 6,586,000 | 6,388,000 | 6,499,000 |
| Total capital | 6,673,000 | 6,724,000 | 6,595,000 | 6,696,000 |
| Risk-weighted assets | 20,102,000 | 19,799,000 | 19,709,000 | 19,492,000 |