Call reports 2017
BATTLE CREEK STATE BANK — 2017
What BATTLE CREEK STATE BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 33,560,000 | 35,288,000 | 32,664,000 | 32,934,000 |
| Total loans | 25,357,000 | 25,617,000 | 25,206,000 | 25,781,000 |
| Allowance for loan losses | 384,000 | 384,000 | 384,000 | 384,000 |
| Securities available for sale | 2,681,000 | 2,661,000 | 1,916,000 | 1,555,000 |
| Securities held to maturity | 100,000 | 100,000 | 100,000 | 100,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 28,493,000 | 30,158,000 | 27,479,000 | 27,861,000 |
| Interest-bearing deposits | 22,295,000 | 22,632,000 | 21,993,000 | 21,732,000 |
| Noninterest-bearing deposits | 6,198,000 | 7,526,000 | 5,486,000 | 6,129,000 |
| Equity capital | 4,480,000 | 4,518,000 | 4,558,000 | 4,443,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 293,000 | 597,000 | 909,000 | 1,209,000 |
| Interest expense | 41,000 | 88,000 | 138,000 | 187,000 |
| Net interest income | 252,000 | 509,000 | 771,000 | 1,022,000 |
| Noninterest income | 49,000 | 87,000 | 123,000 | 156,000 |
| Noninterest expense | 197,000 | 412,000 | 646,000 | 894,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 104,000 | 184,000 | 248,000 | 284,000 |
| Income tax | 30,000 | 56,000 | 80,000 | 92,000 |
| Net income | 74,000 | 128,000 | 168,000 | 192,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,480,000 | 4,518,000 | 4,558,000 | 4,443,000 |
| Total capital | 4,818,000 | 4,862,000 | 4,892,000 | 4,786,000 |
| Risk-weighted assets | 27,019,000 | 27,467,000 | 26,636,000 | 27,374,000 |