Call reports 2006
BATTLE CREEK STATE BANK — 2006
What BATTLE CREEK STATE BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 25,499,000 | 25,293,000 | 25,138,000 | 25,193,000 |
| Total loans | 15,523,000 | 15,821,000 | 16,555,000 | 16,786,000 |
| Allowance for loan losses | 193,000 | 193,000 | 193,000 | 193,000 |
| Securities available for sale | 6,761,000 | 7,236,000 | 6,810,000 | 6,027,000 |
| Securities held to maturity | 5,000 | 5,000 | 5,000 | 3,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 19,551,000 | 19,337,000 | 18,453,000 | 19,189,000 |
| Interest-bearing deposits | 16,501,000 | 16,657,000 | 15,562,000 | 16,436,000 |
| Noninterest-bearing deposits | 3,050,000 | 2,680,000 | 2,891,000 | 2,753,000 |
| Equity capital | 2,349,000 | 2,371,000 | 2,380,000 | 2,378,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 343,000 | 713,000 | 1,106,000 | 1,516,000 |
| Interest expense | 158,000 | 333,000 | 517,000 | 716,000 |
| Net interest income | 185,000 | 380,000 | 589,000 | 800,000 |
| Noninterest income | 23,000 | 46,000 | 72,000 | 95,000 |
| Noninterest expense | 180,000 | 362,000 | 550,000 | 734,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 28,000 | 64,000 | 111,000 | 161,000 |
| Income tax | 6,000 | 12,000 | 23,000 | 31,000 |
| Net income | 22,000 | 52,000 | 88,000 | 130,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,387,000 | 2,418,000 | 2,404,000 | 2,384,000 |
| Total capital | 2,580,000 | 2,611,000 | 2,597,000 | 2,577,000 |
| Risk-weighted assets | 18,343,000 | 18,314,000 | 18,751,000 | 18,748,000 |