Call reports 2001
BATTLE CREEK STATE BANK — 2001
What BATTLE CREEK STATE BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 23,872,000 | 24,304,000 | 23,619,000 | 24,998,000 |
| Total loans | 14,173,000 | 13,797,000 | 14,463,000 | 14,766,000 |
| Allowance for loan losses | 323,000 | 326,000 | 226,000 | 226,000 |
| Securities available for sale | 6,939,000 | 5,383,000 | 6,367,000 | 8,207,000 |
| Securities held to maturity | 72,000 | 68,000 | 67,000 | 66,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 17,572,000 | 17,935,000 | 17,200,000 | 18,127,000 |
| Interest-bearing deposits | 15,348,000 | 15,519,000 | 15,261,000 | 16,127,000 |
| Noninterest-bearing deposits | 2,224,000 | 2,416,000 | 1,939,000 | 2,000,000 |
| Equity capital | 2,076,000 | 2,112,000 | 2,175,000 | 2,179,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 457,000 | 900,000 | 1,314,000 | 1,724,000 |
| Interest expense | 259,000 | 506,000 | 733,000 | 944,000 |
| Net interest income | 198,000 | 394,000 | 581,000 | 780,000 |
| Noninterest income | 23,000 | 44,000 | 69,000 | 92,000 |
| Noninterest expense | 161,000 | 317,000 | 472,000 | 629,000 |
| Provision for loan losses | 0 | 0 | 0 | 50,000 |
| Pretax income | 60,000 | 121,000 | 220,000 | 235,000 |
| Income tax | 23,000 | 42,000 | 74,000 | 92,000 |
| Net income | 37,000 | 79,000 | 146,000 | 143,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,993,000 | 2,063,000 | 2,130,000 | 2,101,000 |
| Total capital | 2,316,000 | 2,257,000 | 2,335,000 | 2,312,000 |
| Risk-weighted assets | 15,506,000 | 15,349,000 | 16,382,000 | 16,820,000 |