Call reports 2009
BATTLE CREEK STATE BANK — 2009
What BATTLE CREEK STATE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 30,111,000 | 33,651,000 | 28,851,000 | 26,896,000 |
| Total loans | 19,129,000 | 19,857,000 | 19,904,000 | 19,288,000 |
| Allowance for loan losses | 211,000 | 230,000 | 301,000 | 835,000 |
| Securities available for sale | 5,941,000 | 5,820,000 | 5,513,000 | 4,979,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 24,799,000 | 28,314,000 | 23,518,000 | 22,860,000 |
| Interest-bearing deposits | 20,742,000 | 24,690,000 | 20,510,000 | 18,999,000 |
| Noninterest-bearing deposits | 4,057,000 | 3,624,000 | 3,008,000 | 3,861,000 |
| Equity capital | 2,574,000 | 2,588,000 | 2,603,000 | 1,337,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 432,000 | 804,000 | 1,165,000 | 1,445,000 |
| Interest expense | 142,000 | 276,000 | 400,000 | 512,000 |
| Net interest income | 290,000 | 528,000 | 765,000 | 933,000 |
| Noninterest income | 27,000 | 59,000 | 90,000 | 116,000 |
| Noninterest expense | 199,000 | 428,000 | 620,000 | 902,000 |
| Provision for loan losses | 65,000 | 85,000 | 155,000 | 1,338,000 |
| Pretax income | 53,000 | 74,000 | 80,000 | -1,191,000 |
| Income tax | 19,000 | 28,000 | 26,000 | 25,000 |
| Net income | 34,000 | 46,000 | 54,000 | -1,216,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,563,000 | 2,573,000 | 2,581,000 | 1,311,000 |
| Total capital | 2,774,000 | 2,802,000 | 2,863,000 | 1,584,000 |
| Risk-weighted assets | 22,082,000 | 23,384,000 | 22,513,000 | 21,250,000 |