Call reports 2008
ADAMS STATE BANK — 2008
What ADAMS STATE BANK 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 | 32,116,000 | 32,996,000 | 32,604,000 | 32,063,000 |
| Total loans | 17,764,000 | 18,811,000 | 19,006,000 | 20,145,000 |
| Allowance for loan losses | 175,000 | 176,000 | 174,000 | 174,000 |
| Securities available for sale | 11,093,000 | 10,319,000 | 10,773,000 | 9,250,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 23,831,000 | 24,803,000 | 25,017,000 | 24,876,000 |
| Interest-bearing deposits | 20,148,000 | 20,611,000 | 21,231,000 | 20,809,000 |
| Noninterest-bearing deposits | 3,683,000 | 4,192,000 | 3,786,000 | 4,067,000 |
| Equity capital | 6,697,000 | 6,607,000 | 6,499,000 | 6,403,000 |
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 | 474,000 | 950,000 | 1,415,000 | 1,890,000 |
| Interest expense | 209,000 | 402,000 | 585,000 | 768,000 |
| Net interest income | 265,000 | 548,000 | 830,000 | 1,122,000 |
| Noninterest income | 46,000 | 85,000 | 153,000 | 201,000 |
| Noninterest expense | 190,000 | 370,000 | 553,000 | 813,000 |
| Provision for loan losses | 34,000 | 34,000 | 35,000 | 35,000 |
| Pretax income | 94,000 | 236,000 | 402,000 | 474,000 |
| Income tax | 3,000 | 6,000 | 9,000 | 11,000 |
| Net income | 91,000 | 230,000 | 393,000 | 463,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,786,000 | 6,785,000 | 6,878,000 | 6,948,000 |
| Total capital | 6,961,000 | 6,961,000 | 7,052,000 | 7,122,000 |
| Risk-weighted assets | 24,664,000 | 24,593,000 | 24,522,000 | 26,095,000 |