Call reports 2016
BATTLE CREEK STATE BANK — 2016
What BATTLE CREEK STATE BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 33,900,000 | 34,435,000 | 32,753,000 | 32,030,000 |
| Total loans | 24,613,000 | 25,857,000 | 26,188,000 | 25,415,000 |
| Allowance for loan losses | 389,000 | 389,000 | 389,000 | 376,000 |
| Securities available for sale | 4,373,000 | 4,046,000 | 2,486,000 | 2,740,000 |
| Securities held to maturity | 375,000 | 275,000 | 100,000 | 100,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 28,372,000 | 28,898,000 | 27,205,000 | 27,035,000 |
| Interest-bearing deposits | 21,274,000 | 22,938,000 | 21,365,000 | 21,355,000 |
| Noninterest-bearing deposits | 7,098,000 | 5,960,000 | 5,840,000 | 5,680,000 |
| Equity capital | 4,458,000 | 4,464,000 | 4,460,000 | 4,435,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 295,000 | 590,000 | 893,000 | 1,196,000 |
| Interest expense | 34,000 | 73,000 | 113,000 | 154,000 |
| Net interest income | 261,000 | 517,000 | 780,000 | 1,042,000 |
| Noninterest income | 34,000 | 76,000 | 126,000 | 159,000 |
| Noninterest expense | 238,000 | 468,000 | 714,000 | 994,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 57,000 | 125,000 | 192,000 | 207,000 |
| Income tax | 17,000 | 39,000 | 61,000 | 72,000 |
| Net income | 40,000 | 86,000 | 131,000 | 135,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,442,000 | 4,448,000 | 4,448,000 | 4,431,000 |
| Total capital | 4,778,000 | 4,797,000 | 4,792,000 | 4,768,000 |
| Risk-weighted assets | 26,846,000 | 27,902,000 | 27,489,000 | 26,930,000 |