Call reports 2013
ADRIAN STATE BANK — 2013
What ADRIAN STATE BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 41,167,000 | 40,271,000 | 41,960,000 | 43,343,000 |
| Total loans | 19,957,000 | 21,065,000 | 23,015,000 | 22,970,000 |
| Allowance for loan losses | 220,000 | 223,000 | 226,000 | 229,000 |
| Securities available for sale | 11,025,000 | 10,983,000 | 10,685,000 | 11,372,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 37,208,000 | 36,568,000 | 35,850,000 | 38,527,000 |
| Interest-bearing deposits | 29,839,000 | 29,633,000 | 29,244,000 | 29,385,000 |
| Noninterest-bearing deposits | 7,369,000 | 6,935,000 | 6,606,000 | 9,142,000 |
| Equity capital | 3,793,000 | 3,581,000 | 3,714,000 | 3,704,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 367,000 | 735,000 | 1,104,000 | 1,470,000 |
| Interest expense | 56,000 | 108,000 | 158,000 | 205,000 |
| Net interest income | 311,000 | 627,000 | 946,000 | 1,265,000 |
| Noninterest income | -7,000 | -34,000 | -30,000 | -20,000 |
| Noninterest expense | 229,000 | 455,000 | 693,000 | 950,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 75,000 | 138,000 | 223,000 | 295,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 75,000 | 138,000 | 223,000 | 295,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,450,000 | 3,483,000 | 3,542,000 | 3,579,000 |
| Total capital | 3,670,000 | 3,706,000 | 3,768,000 | 3,808,000 |
| Risk-weighted assets | 23,753,000 | 24,658,000 | 26,313,000 | 26,656,000 |