Call reports 2025
ADAMS STATE BANK — 2025
What ADAMS 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 | 73,220,000 | 69,642,000 | 71,381,000 | 69,569,000 |
| Total loans | 47,864,000 | 47,969,000 | 50,805,000 | 51,291,000 |
| Allowance for loan losses | 299,000 | 256,000 | 306,000 | 307,000 |
| Securities available for sale | 13,037,000 | 14,817,000 | 13,114,000 | 12,144,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 55,525,000 | 52,791,000 | 52,542,000 | 50,681,000 |
| Interest-bearing deposits | 40,377,000 | 39,854,000 | 39,812,000 | 37,671,000 |
| Noninterest-bearing deposits | 15,148,000 | 12,937,000 | 12,730,000 | 13,010,000 |
| Equity capital | 10,133,000 | 10,271,000 | 10,612,000 | 10,808,000 |
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 | 883,000 | 1,805,000 | 2,736,000 | 3,710,000 |
| Interest expense | 341,000 | 674,000 | 999,000 | 1,325,000 |
| Net interest income | 542,000 | 1,131,000 | 1,737,000 | 2,385,000 |
| Noninterest income | 33,000 | 63,000 | 127,000 | 161,000 |
| Noninterest expense | 373,000 | 882,000 | 1,251,000 | 1,681,000 |
| Provision for loan losses | 0 | 0 | 48,000 | 48,000 |
| Pretax income | 202,000 | 312,000 | 520,000 | 771,000 |
| Income tax | 12,000 | 16,000 | 35,000 | 46,000 |
| Net income | 190,000 | 296,000 | 485,000 | 725,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,713,000 | 10,739,000 | 10,928,000 | 11,056,000 |