Call reports 2015
BATTLE CREEK STATE BANK — 2015
What BATTLE CREEK STATE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 34,740,000 | 34,890,000 | 32,974,000 | 32,918,000 |
| Total loans | 22,564,000 | 22,985,000 | 24,579,000 | 24,070,000 |
| Allowance for loan losses | 389,000 | 389,000 | 389,000 | 389,000 |
| Securities available for sale | 2,650,000 | 1,690,000 | 3,655,000 | 4,908,000 |
| Securities held to maturity | 375,000 | 375,000 | 375,000 | 375,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 28,686,000 | 28,806,000 | 26,863,000 | 27,378,000 |
| Interest-bearing deposits | 23,594,000 | 22,640,000 | 22,211,000 | 20,584,000 |
| Noninterest-bearing deposits | 5,092,000 | 6,166,000 | 4,652,000 | 6,794,000 |
| Equity capital | 4,438,000 | 4,471,000 | 4,489,000 | 4,416,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 286,000 | 569,000 | 862,000 | 1,156,000 |
| Interest expense | 38,000 | 78,000 | 113,000 | 147,000 |
| Net interest income | 248,000 | 491,000 | 749,000 | 1,009,000 |
| Noninterest income | 37,000 | 73,000 | 109,000 | 145,000 |
| Noninterest expense | 233,000 | 460,000 | 694,000 | 951,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 52,000 | 104,000 | 164,000 | 203,000 |
| Income tax | 14,000 | 29,000 | 41,000 | 59,000 |
| Net income | 38,000 | 75,000 | 123,000 | 144,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,415,000 | 4,453,000 | 4,470,000 | 4,404,000 |
| Total capital | 4,731,000 | 4,777,000 | 4,802,000 | 4,731,000 |
| Risk-weighted assets | 25,251,000 | 25,872,000 | 26,536,000 | 26,094,000 |