Call reports 2006
ADRIAN STATE BANK — 2006
What ADRIAN STATE BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 26,930,000 | 27,358,000 | 26,380,000 | 28,616,000 |
| Total loans | 16,090,000 | 17,653,000 | 17,922,000 | 18,275,000 |
| Allowance for loan losses | 128,000 | 139,000 | 144,000 | 147,000 |
| Securities available for sale | 8,773,000 | 7,652,000 | 6,677,000 | 7,135,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 23,402,000 | 24,093,000 | 22,932,000 | 25,235,000 |
| Interest-bearing deposits | 19,543,000 | 20,171,000 | 19,708,000 | 20,813,000 |
| Noninterest-bearing deposits | 3,859,000 | 3,922,000 | 3,224,000 | 4,422,000 |
| Equity capital | 2,929,000 | 2,916,000 | 3,055,000 | 3,030,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 365,000 | 756,000 | 1,168,000 | 1,591,000 |
| Interest expense | 117,000 | 257,000 | 409,000 | 568,000 |
| Net interest income | 248,000 | 499,000 | 759,000 | 1,023,000 |
| Noninterest income | 22,000 | 50,000 | 74,000 | 96,000 |
| Noninterest expense | 195,000 | 394,000 | 602,000 | 892,000 |
| Provision for loan losses | 7,000 | 16,000 | 16,000 | 16,000 |
| Pretax income | 68,000 | 137,000 | 204,000 | 200,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 68,000 | 137,000 | 204,000 | 200,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,071,000 | 3,110,000 | 3,141,000 | 3,106,000 |
| Total capital | 3,199,000 | 3,249,000 | 3,285,000 | 3,253,000 |
| Risk-weighted assets | 17,528,000 | 18,844,000 | 18,964,000 | 19,785,000 |