Call reports 2011
BATTLE CREEK STATE BANK — 2011
What BATTLE CREEK STATE BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 25,648,000 | 26,294,000 | 25,030,000 | 26,463,000 |
| Total loans | 15,171,000 | 15,504,000 | 14,821,000 | 16,413,000 |
| Allowance for loan losses | 823,000 | 802,000 | 801,000 | 782,000 |
| Securities available for sale | 2,403,000 | 4,847,000 | 5,218,000 | 3,507,000 |
| Securities held to maturity | 1,505,000 | 1,504,000 | 1,879,000 | 1,878,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 21,804,000 | 22,388,000 | 20,977,000 | 22,363,000 |
| Interest-bearing deposits | 16,458,000 | 15,649,000 | 15,991,000 | 15,656,000 |
| Noninterest-bearing deposits | 5,346,000 | 6,739,000 | 4,986,000 | 6,707,000 |
| Equity capital | 2,382,000 | 2,453,000 | 2,589,000 | 2,610,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 267,000 | 537,000 | 859,000 | 1,145,000 |
| Interest expense | 55,000 | 110,000 | 161,000 | 210,000 |
| Net interest income | 212,000 | 427,000 | 698,000 | 935,000 |
| Noninterest income | 52,000 | 81,000 | 168,000 | 188,000 |
| Noninterest expense | 199,000 | 391,000 | 616,000 | 817,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 65,000 | 117,000 | 250,000 | 306,000 |
| Income tax | 0 | 0 | 10,000 | 43,000 |
| Net income | 65,000 | 117,000 | 240,000 | 263,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,362,000 | 2,414,000 | 2,537,000 | 2,560,000 |
| Total capital | 2,582,000 | 2,640,000 | 2,754,000 | 2,794,000 |
| Risk-weighted assets | 17,017,000 | 17,485,000 | 16,739,000 | 18,176,000 |