Call reports 2013
BATTLE CREEK STATE BANK — 2013
What BATTLE CREEK STATE BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 28,290,000 | 27,494,000 | 25,272,000 | 28,661,000 |
| Total loans | 16,602,000 | 18,126,000 | 18,335,000 | 19,079,000 |
| Allowance for loan losses | 638,000 | 638,000 | 639,000 | 389,000 |
| Securities available for sale | 3,046,000 | 3,168,000 | 3,074,000 | 2,419,000 |
| Securities held to maturity | 375,000 | 375,000 | 375,000 | 375,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 23,588,000 | 22,778,000 | 20,822,000 | 23,940,000 |
| Interest-bearing deposits | 18,359,000 | 17,274,000 | 16,232,000 | 7,182,000 |
| Noninterest-bearing deposits | 5,229,000 | 5,504,000 | 4,590,000 | 16,758,000 |
| Equity capital | 2,756,000 | 2,774,000 | 2,797,000 | 3,067,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 236,000 | 483,000 | 744,000 | 1,000,000 |
| Interest expense | 40,000 | 80,000 | 119,000 | 152,000 |
| Net interest income | 196,000 | 403,000 | 625,000 | 848,000 |
| Noninterest income | 29,000 | 59,000 | 91,000 | 118,000 |
| Noninterest expense | 211,000 | 423,000 | 652,000 | 867,000 |
| Provision for loan losses | 0 | 0 | 0 | -250,000 |
| Pretax income | 14,000 | 39,000 | 64,000 | 349,000 |
| Income tax | 1,000 | 3,000 | 10,000 | 17,000 |
| Net income | 13,000 | 36,000 | 54,000 | 332,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,713,000 | 2,736,000 | 2,754,000 | 3,032,000 |
| Total capital | 2,955,000 | 2,995,000 | 3,010,000 | 3,296,000 |
| Risk-weighted assets | 18,957,000 | 20,328,000 | 20,064,000 | 21,525,000 |