Call reports 2018
BATTLE CREEK STATE BANK — 2018
What BATTLE CREEK STATE BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 32,680,000 | 34,782,000 | 31,670,000 | 31,492,000 |
| Total loans | 24,547,000 | 24,459,000 | 24,927,000 | 25,709,000 |
| Allowance for loan losses | 384,000 | 384,000 | 384,000 | 384,000 |
| Securities available for sale | 1,478,000 | 968,000 | 949,000 | 1,837,000 |
| Securities held to maturity | 100,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 27,559,000 | 29,716,000 | 26,987,000 | 26,888,000 |
| Interest-bearing deposits | 21,641,000 | 19,933,000 | 20,987,000 | 21,869,000 |
| Noninterest-bearing deposits | 5,918,000 | 9,783,000 | 6,000,000 | 5,019,000 |
| Equity capital | 4,482,000 | 4,500,000 | 4,528,000 | 4,449,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 300,000 | 600,000 | 912,000 | 1,238,000 |
| Interest expense | 57,000 | 112,000 | 171,000 | 247,000 |
| Net interest income | 243,000 | 488,000 | 741,000 | 991,000 |
| Noninterest income | 43,000 | 79,000 | 112,000 | 142,000 |
| Noninterest expense | 231,000 | 438,000 | 656,000 | 862,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 55,000 | 129,000 | 197,000 | 271,000 |
| Income tax | 12,000 | 38,000 | 58,000 | 83,000 |
| Net income | 43,000 | 91,000 | 139,000 | 188,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,482,000 | 4,500,000 | 4,528,000 | 4,449,000 |
| Total capital | 4,812,000 | 4,834,000 | 4,857,000 | 4,787,000 |
| Risk-weighted assets | 26,350,000 | 26,701,000 | 26,304,000 | 27,004,000 |