Call reports 2007
ADRIAN STATE BANK — 2007
What ADRIAN STATE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 27,468,000 | 27,782,000 | 27,932,000 | 29,791,000 |
| Total loans | 18,644,000 | 19,043,000 | 19,519,000 | 20,011,000 |
| Allowance for loan losses | 154,000 | 159,000 | 163,000 | 157,000 |
| Securities available for sale | 7,249,000 | 7,246,000 | 7,125,000 | 6,415,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 23,523,000 | 23,181,000 | 22,797,000 | 25,226,000 |
| Interest-bearing deposits | 19,905,000 | 19,781,000 | 17,246,000 | 20,070,000 |
| Noninterest-bearing deposits | 3,618,000 | 3,400,000 | 5,551,000 | 5,156,000 |
| Equity capital | 3,060,000 | 3,068,000 | 3,179,000 | 3,204,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 428,000 | 871,000 | 1,321,000 | 1,783,000 |
| Interest expense | 158,000 | 332,000 | 511,000 | 699,000 |
| Net interest income | 270,000 | 539,000 | 810,000 | 1,084,000 |
| Noninterest income | 24,000 | 48,000 | 72,000 | 97,000 |
| Noninterest expense | 212,000 | 424,000 | 641,000 | 924,000 |
| Provision for loan losses | 2,000 | 3,000 | 4,000 | 4,000 |
| Pretax income | 80,000 | 160,000 | 237,000 | 253,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 80,000 | 160,000 | 237,000 | 253,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,111,000 | 3,157,000 | 3,200,000 | 3,181,000 |
| Total capital | 3,265,000 | 3,316,000 | 3,363,000 | 3,338,000 |
| Risk-weighted assets | 19,794,000 | 20,102,000 | 20,477,000 | 21,496,000 |