Call reports 2019
BATTLE CREEK STATE BANK — 2019
What BATTLE CREEK STATE BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 32,573,000 | 33,567,000 | 33,927,000 | 33,997,000 |
| Total loans | 25,901,000 | 26,426,000 | 26,296,000 | 26,563,000 |
| Allowance for loan losses | 384,000 | 384,000 | 384,000 | 384,000 |
| Securities available for sale | 2,748,000 | 2,757,000 | 2,742,000 | 1,629,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 27,901,000 | 28,875,000 | 28,200,000 | 28,355,000 |
| Interest-bearing deposits | 22,750,000 | 22,391,000 | 22,957,000 | 23,510,000 |
| Noninterest-bearing deposits | 5,151,000 | 6,484,000 | 5,243,000 | 4,845,000 |
| Equity capital | 4,509,000 | 4,509,000 | 4,536,000 | 4,461,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 340,000 | 685,000 | 1,041,000 | 1,408,000 |
| Interest expense | 86,000 | 177,000 | 267,000 | 366,000 |
| Net interest income | 254,000 | 508,000 | 774,000 | 1,042,000 |
| Noninterest income | 29,000 | 59,000 | 95,000 | 122,000 |
| Noninterest expense | 216,000 | 442,000 | 682,000 | 916,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 67,000 | 125,000 | 187,000 | 248,000 |
| Income tax | 11,000 | 23,000 | 36,000 | 48,000 |
| Net income | 56,000 | 102,000 | 151,000 | 200,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,509,000 | 4,509,000 | 4,536,000 | 4,461,000 |
| Total capital | 4,851,000 | 4,857,000 | 4,883,000 | 4,813,000 |
| Risk-weighted assets | 27,326,000 | 27,791,000 | 27,717,000 | 28,097,000 |
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