Call reports 2012
BATTLE CREEK STATE BANK — 2012
What BATTLE CREEK STATE BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 25,845,000 | 25,217,000 | 24,685,000 | 25,259,000 |
| Total loans | 14,844,000 | 15,516,000 | 16,279,000 | 17,521,000 |
| Allowance for loan losses | 784,000 | 785,000 | 786,000 | 636,000 |
| Securities available for sale | 3,434,000 | 3,760,000 | 3,512,000 | 3,093,000 |
| Securities held to maturity | 1,376,000 | 875,000 | 875,000 | 875,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 22,244,000 | 21,597,000 | 21,012,000 | 20,498,000 |
| Interest-bearing deposits | 16,001,000 | 14,772,000 | 15,124,000 | 15,811,000 |
| Noninterest-bearing deposits | 6,243,000 | 6,825,000 | 5,888,000 | 4,687,000 |
| Equity capital | 2,636,000 | 2,666,000 | 2,696,000 | 2,747,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 265,000 | 532,000 | 802,000 | 1,078,000 |
| Interest expense | 42,000 | 78,000 | 115,000 | 150,000 |
| Net interest income | 223,000 | 454,000 | 687,000 | 928,000 |
| Noninterest income | 21,000 | 42,000 | 64,000 | 90,000 |
| Noninterest expense | 213,000 | 417,000 | 625,000 | 831,000 |
| Provision for loan losses | 0 | 0 | 0 | -150,000 |
| Pretax income | 31,000 | 79,000 | 126,000 | 337,000 |
| Income tax | 4,000 | 16,000 | 38,000 | 98,000 |
| Net income | 27,000 | 63,000 | 88,000 | 239,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,587,000 | 2,623,000 | 2,649,000 | 2,700,000 |
| Total capital | 2,807,000 | 2,847,000 | 2,882,000 | 2,946,000 |
| Risk-weighted assets | 17,000,000 | 17,374,000 | 18,125,000 | 19,281,000 |