Call reports 2002
BATTLE CREEK STATE BANK — 2002
What BATTLE CREEK STATE BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 24,632,000 | 24,914,000 | 24,916,000 | 26,268,000 |
| Total loans | 14,531,000 | 14,735,000 | 15,663,000 | 14,759,000 |
| Allowance for loan losses | 163,000 | 164,000 | 172,000 | 174,000 |
| Securities available for sale | 6,758,000 | 6,848,000 | 4,880,000 | 4,519,000 |
| Securities held to maturity | 64,000 | 62,000 | 62,000 | 59,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 17,952,000 | 18,187,000 | 17,282,000 | 18,234,000 |
| Interest-bearing deposits | 15,495,000 | 15,914,000 | 14,460,000 | 15,448,000 |
| Noninterest-bearing deposits | 2,457,000 | 2,273,000 | 2,822,000 | 2,786,000 |
| Equity capital | 2,140,000 | 2,203,000 | 2,372,000 | 2,290,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 377,000 | 750,000 | 1,120,000 | 1,476,000 |
| Interest expense | 186,000 | 351,000 | 504,000 | 681,000 |
| Net interest income | 191,000 | 399,000 | 616,000 | 795,000 |
| Noninterest income | 23,000 | 45,000 | 71,000 | 96,000 |
| Noninterest expense | 143,000 | 302,000 | 443,000 | 603,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 71,000 | 142,000 | 236,000 | 280,000 |
| Income tax | 21,000 | 40,000 | 67,000 | 83,000 |
| Net income | 50,000 | 102,000 | 169,000 | 197,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,151,000 | 2,202,000 | 2,371,000 | 2,200,000 |
| Total capital | 2,314,000 | 2,366,000 | 2,543,000 | 2,374,000 |
| Risk-weighted assets | 16,806,000 | 16,832,000 | 17,413,000 | 17,010,000 |