Call reports 2010
BATTLE CREEK STATE BANK — 2010
What BATTLE CREEK STATE BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 28,098,000 | 26,763,000 | 26,282,000 | 25,294,000 |
| Total loans | 18,856,000 | 17,512,000 | 16,380,000 | 16,186,000 |
| Allowance for loan losses | 833,000 | 834,000 | 823,000 | 823,000 |
| Securities available for sale | 3,887,000 | 4,288,000 | 2,723,000 | 2,459,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 23,167,000 | 21,808,000 | 21,758,000 | 20,809,000 |
| Interest-bearing deposits | 19,774,000 | 19,051,000 | 18,229,000 | 16,859,000 |
| Noninterest-bearing deposits | 3,393,000 | 2,757,000 | 3,529,000 | 3,950,000 |
| Equity capital | 2,233,000 | 2,267,000 | 2,330,000 | 2,316,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 364,000 | 674,000 | 986,000 | 1,278,000 |
| Interest expense | 100,000 | 191,000 | 277,000 | 351,000 |
| Net interest income | 264,000 | 483,000 | 709,000 | 927,000 |
| Noninterest income | 25,000 | 71,000 | 109,000 | 130,000 |
| Noninterest expense | 252,000 | 489,000 | 705,000 | 934,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 37,000 | 65,000 | 113,000 | 123,000 |
| Income tax | 0 | 0 | 3,000 | 4,000 |
| Net income | 37,000 | 65,000 | 110,000 | 119,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,215,000 | 2,243,000 | 2,288,000 | 2,297,000 |
| Total capital | 2,477,000 | 2,489,000 | 2,524,000 | 2,533,000 |
| Risk-weighted assets | 20,717,000 | 19,089,000 | 18,341,000 | 17,994,000 |
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