Call reports 2025
ADRIAN STATE BANK — 2025
What ADRIAN STATE BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 59,604,000 | 53,875,000 | 54,436,000 | 63,686,000 |
| Total loans | 40,575,000 | 37,427,000 | 38,374,000 | 41,966,000 |
| Allowance for loan losses | 624,000 | 624,000 | 624,000 | 621,000 |
| Securities available for sale | 6,125,000 | 4,803,000 | 4,722,000 | 4,583,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 53,163,000 | 47,418,000 | 47,865,000 | 57,246,000 |
| Interest-bearing deposits | 33,479,000 | 32,637,000 | 32,402,000 | 34,608,000 |
| Noninterest-bearing deposits | 19,684,000 | 14,781,000 | 15,463,000 | 22,638,000 |
| Equity capital | 6,168,000 | 6,174,000 | 6,289,000 | 6,224,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 735,000 | 1,462,000 | 2,215,000 | 3,013,000 |
| Interest expense | 181,000 | 367,000 | 561,000 | 751,000 |
| Net interest income | 554,000 | 1,095,000 | 1,654,000 | 2,262,000 |
| Noninterest income | 21,000 | 47,000 | 84,000 | 99,000 |
| Noninterest expense | 366,000 | 729,000 | 1,072,000 | 1,731,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 209,000 | 413,000 | 666,000 | 630,000 |
| Income tax | 0 | 24,000 | 38,000 | 52,000 |
| Net income | 209,000 | 389,000 | 628,000 | 578,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,336,000 | 6,291,000 | 6,384,000 | 6,289,000 |