Call reports 2015
ADRIAN STATE BANK — 2015
What ADRIAN STATE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 44,649,000 | 43,375,000 | 43,040,000 | 46,206,000 |
| Total loans | 24,365,000 | 25,429,000 | 27,082,000 | 30,211,000 |
| Allowance for loan losses | 238,000 | 223,000 | 228,000 | 233,000 |
| Securities available for sale | 12,122,000 | 11,536,000 | 11,297,000 | 11,003,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 38,940,000 | 39,315,000 | 38,567,000 | 40,746,000 |
| Interest-bearing deposits | 31,364,000 | 32,054,000 | 31,378,000 | 30,981,000 |
| Noninterest-bearing deposits | 7,576,000 | 7,261,000 | 7,189,000 | 9,765,000 |
| Equity capital | 3,930,000 | 3,955,000 | 4,109,000 | 4,083,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 367,000 | 775,000 | 1,200,000 | 1,624,000 |
| Interest expense | 39,000 | 79,000 | 119,000 | 157,000 |
| Net interest income | 328,000 | 696,000 | 1,081,000 | 1,467,000 |
| Noninterest income | 19,000 | 46,000 | 69,000 | 88,000 |
| Noninterest expense | 236,000 | 469,000 | 700,000 | 1,003,000 |
| Provision for loan losses | 2,000 | 6,000 | 9,000 | 12,000 |
| Pretax income | 109,000 | 263,000 | 437,000 | 536,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 109,000 | 263,000 | 437,000 | 536,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,719,000 | 3,831,000 | 3,949,000 | 3,976,000 |
| Total capital | 3,957,000 | 4,054,000 | 4,177,000 | 4,209,000 |
| Risk-weighted assets | 27,904,000 | 28,599,000 | 30,202,000 | 32,820,000 |