Call reports 2004
BATTLE CREEK STATE BANK — 2004
What BATTLE CREEK STATE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 31,047,000 | 28,565,000 | 27,393,000 | 25,933,000 |
| Total loans | 15,407,000 | 15,011,000 | 15,159,000 | 16,513,000 |
| Allowance for loan losses | 183,000 | 183,000 | 183,000 | 181,000 |
| Securities available for sale | 4,142,000 | 7,864,000 | 8,462,000 | 6,438,000 |
| Securities held to maturity | 7,000 | 7,000 | 7,000 | 6,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 24,507,000 | 22,148,000 | 19,858,000 | 19,157,000 |
| Interest-bearing deposits | 21,370,000 | 18,913,000 | 16,771,000 | 16,012,000 |
| Noninterest-bearing deposits | 3,137,000 | 3,235,000 | 3,087,000 | 3,145,000 |
| Equity capital | 2,380,000 | 2,313,000 | 2,399,000 | 2,285,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 316,000 | 634,000 | 964,000 | 1,297,000 |
| Interest expense | 116,000 | 222,000 | 325,000 | 440,000 |
| Net interest income | 200,000 | 412,000 | 639,000 | 857,000 |
| Noninterest income | 22,000 | 45,000 | 65,000 | 86,000 |
| Noninterest expense | 158,000 | 325,000 | 490,000 | 669,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 64,000 | 134,000 | 216,000 | 276,000 |
| Income tax | 15,000 | 32,000 | 52,000 | 67,000 |
| Net income | 49,000 | 102,000 | 164,000 | 209,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,370,000 | 2,383,000 | 2,404,000 | 2,356,000 |
| Total capital | 2,553,000 | 2,566,000 | 2,587,000 | 2,537,000 |
| Risk-weighted assets | 18,922,000 | 18,048,000 | 18,213,000 | 18,565,000 |