Call reports 2009
ADRIAN STATE BANK — 2009
What ADRIAN STATE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 30,082,000 | 29,007,000 | 28,455,000 | 33,831,000 |
| Total loans | 19,273,000 | 19,922,000 | 19,198,000 | 20,238,000 |
| Allowance for loan losses | 265,000 | 298,000 | 172,000 | 193,000 |
| Securities available for sale | 7,433,000 | 7,218,000 | 7,359,000 | 8,901,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 26,544,000 | 25,140,000 | 24,754,000 | 30,324,000 |
| Interest-bearing deposits | 22,331,000 | 21,387,000 | 20,245,000 | 23,808,000 |
| Noninterest-bearing deposits | 4,213,000 | 3,753,000 | 4,509,000 | 6,516,000 |
| Equity capital | 3,170,000 | 3,143,000 | 3,230,000 | 3,166,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 385,000 | 761,000 | 1,141,000 | 1,517,000 |
| Interest expense | 123,000 | 230,000 | 333,000 | 431,000 |
| Net interest income | 262,000 | 531,000 | 808,000 | 1,086,000 |
| Noninterest income | 43,000 | 90,000 | 134,000 | 174,000 |
| Noninterest expense | 249,000 | 531,000 | 805,000 | 1,100,000 |
| Provision for loan losses | 31,000 | 72,000 | 87,000 | 105,000 |
| Pretax income | 25,000 | 18,000 | 50,000 | 82,000 |
| Income tax | -40,000 | -39,000 | -39,000 | -39,000 |
| Net income | 65,000 | 57,000 | 89,000 | 121,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,106,000 | 3,074,000 | 3,090,000 | 3,122,000 |
| Total capital | 3,371,000 | 3,341,000 | 3,262,000 | 3,315,000 |
| Risk-weighted assets | 21,166,000 | 21,357,000 | 21,017,000 | 23,081,000 |