Call reports 2005
ADRIAN STATE BANK — 2005
What ADRIAN STATE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 28,397,000 | 27,461,000 | 27,356,000 | 29,177,000 |
| Total loans | 15,475,000 | 15,307,000 | 16,139,000 | 16,301,000 |
| Allowance for loan losses | 110,000 | 124,000 | 152,000 | 114,000 |
| Securities available for sale | 10,326,000 | 9,434,000 | 9,143,000 | 8,536,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 24,405,000 | 24,049,000 | 23,666,000 | 25,884,000 |
| Interest-bearing deposits | 20,651,000 | 21,005,000 | 20,016,000 | 20,629,000 |
| Noninterest-bearing deposits | 3,754,000 | 3,044,000 | 3,650,000 | 5,255,000 |
| Equity capital | 2,960,000 | 3,063,000 | 3,024,000 | 2,961,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 340,000 | 685,000 | 1,032,000 | 1,400,000 |
| Interest expense | 87,000 | 184,000 | 284,000 | 393,000 |
| Net interest income | 253,000 | 501,000 | 748,000 | 1,007,000 |
| Noninterest income | 22,000 | 52,000 | 80,000 | 106,000 |
| Noninterest expense | 203,000 | 401,000 | 593,000 | 812,000 |
| Provision for loan losses | 15,000 | 27,000 | 52,000 | 112,000 |
| Pretax income | 57,000 | 124,000 | 182,000 | 188,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 57,000 | 124,000 | 182,000 | 188,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,053,000 | 3,086,000 | 3,109,000 | 3,077,000 |
| Total capital | 3,163,000 | 3,210,000 | 3,261,000 | 3,191,000 |
| Risk-weighted assets | 17,497,000 | 17,123,000 | 17,756,000 | 18,166,000 |