Call reports 2019
ADRIAN STATE BANK — 2019
What ADRIAN STATE BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 48,950,000 | 49,863,000 | 51,761,000 | 54,856,000 |
| Total loans | 40,725,000 | 42,126,000 | 43,571,000 | 44,466,000 |
| Allowance for loan losses | 419,000 | 446,000 | 460,000 | 470,000 |
| Securities available for sale | 1,925,000 | 1,651,000 | 1,934,000 | 1,717,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 44,166,000 | 44,108,000 | 44,580,000 | 47,883,000 |
| Interest-bearing deposits | 35,142,000 | 35,344,000 | 34,712,000 | 35,013,000 |
| Noninterest-bearing deposits | 9,024,000 | 8,764,000 | 9,868,000 | 12,870,000 |
| Equity capital | 4,623,000 | 4,778,000 | 4,952,000 | 4,947,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 599,000 | 1,230,000 | 1,893,000 | 2,538,000 |
| Interest expense | 97,000 | 195,000 | 301,000 | 413,000 |
| Net interest income | 502,000 | 1,035,000 | 1,592,000 | 2,125,000 |
| Noninterest income | 22,000 | 52,000 | 81,000 | 104,000 |
| Noninterest expense | 286,000 | 572,000 | 848,000 | 1,265,000 |
| Provision for loan losses | 12,000 | 36,000 | 48,000 | 60,000 |
| Pretax income | 226,000 | 482,000 | 780,000 | 907,000 |
| Income tax | 0 | 1,000 | 1,000 | 1,000 |
| Net income | 226,000 | 481,000 | 779,000 | 906,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,617,000 | 4,767,000 | 4,942,000 | 4,934,000 |
| Total capital | 5,036,000 | 5,213,000 | 5,402,000 | 5,404,000 |
| Risk-weighted assets | 41,443,000 | 42,628,000 | 44,011,000 | 45,340,000 |