Call reports 2005
BATTLE CREEK STATE BANK — 2005
What BATTLE CREEK STATE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 24,793,000 | 25,363,000 | 25,310,000 | 25,466,000 |
| Total loans | 15,733,000 | 15,741,000 | 15,692,000 | 15,487,000 |
| Allowance for loan losses | 181,000 | 182,000 | 195,000 | 193,000 |
| Securities available for sale | 5,491,000 | 5,619,000 | 7,500,000 | 7,505,000 |
| Securities held to maturity | 6,000 | 5,000 | 5,000 | 5,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 18,831,000 | 19,414,000 | 19,331,000 | 19,602,000 |
| Interest-bearing deposits | 16,201,000 | 16,648,000 | 15,975,000 | 15,840,000 |
| Noninterest-bearing deposits | 2,630,000 | 2,766,000 | 3,356,000 | 3,762,000 |
| Equity capital | 2,350,000 | 2,361,000 | 2,375,000 | 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 | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 310,000 | 638,000 | 988,000 | 1,341,000 |
| Interest expense | 113,000 | 235,000 | 375,000 | 528,000 |
| Net interest income | 197,000 | 403,000 | 613,000 | 813,000 |
| Noninterest income | 18,000 | 43,000 | 66,000 | 92,000 |
| Noninterest expense | 171,000 | 363,000 | 554,000 | 761,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 44,000 | 86,000 | 128,000 | 147,000 |
| Income tax | 12,000 | 20,000 | 28,000 | 26,000 |
| Net income | 32,000 | 66,000 | 100,000 | 121,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,388,000 | 2,422,000 | 2,406,000 | 2,365,000 |
| Total capital | 2,569,000 | 2,604,000 | 2,601,000 | 2,558,000 |
| Risk-weighted assets | 17,821,000 | 17,849,000 | 18,159,000 | 18,571,000 |
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