Call reports 2007
BATTLE CREEK STATE BANK — 2007
What BATTLE CREEK STATE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 27,456,000 | 27,026,000 | 26,646,000 | 27,247,000 |
| Total loans | 16,997,000 | 17,412,000 | 18,134,000 | 17,910,000 |
| Allowance for loan losses | 170,000 | 170,000 | 168,000 | 168,000 |
| Securities available for sale | 6,476,000 | 5,267,000 | 4,590,000 | 3,994,000 |
| Securities held to maturity | 3,000 | 3,000 | 2,000 | 2,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 21,398,000 | 20,982,000 | 20,514,000 | 22,110,000 |
| Interest-bearing deposits | 17,488,000 | 18,029,000 | 17,487,000 | 17,726,000 |
| Noninterest-bearing deposits | 3,910,000 | 2,953,000 | 3,027,000 | 4,384,000 |
| Equity capital | 2,418,000 | 2,403,000 | 2,473,000 | 2,467,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 411,000 | 828,000 | 1,291,000 | 1,737,000 |
| Interest expense | 200,000 | 403,000 | 617,000 | 835,000 |
| Net interest income | 211,000 | 425,000 | 674,000 | 902,000 |
| Noninterest income | 24,000 | 50,000 | 77,000 | 105,000 |
| Noninterest expense | 193,000 | 382,000 | 581,000 | 772,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 42,000 | 93,000 | 180,000 | 241,000 |
| Income tax | 12,000 | 23,000 | 41,000 | 58,000 |
| Net income | 30,000 | 70,000 | 139,000 | 183,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,415,000 | 2,405,000 | 2,463,000 | 2,460,000 |
| Total capital | 2,585,000 | 2,577,000 | 2,631,000 | 2,628,000 |
| Risk-weighted assets | 19,374,000 | 19,459,000 | 19,904,000 | 20,225,000 |