Call reports 2021
BATTLE CREEK STATE BANK — 2021
What BATTLE CREEK STATE BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 38,126,000 | 40,218,000 | 39,755,000 | 38,415,000 |
| Total loans | 26,407,000 | 26,341,000 | 26,909,000 | 26,691,000 |
| Allowance for loan losses | 439,000 | 402,000 | 402,000 | 407,000 |
| Securities available for sale | 497,000 | 4,492,000 | 4,587,000 | 4,572,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 32,428,000 | 34,488,000 | 33,999,000 | 32,791,000 |
| Interest-bearing deposits | 26,505,000 | 27,269,000 | 26,819,000 | 25,496,000 |
| Noninterest-bearing deposits | 5,923,000 | 7,219,000 | 7,180,000 | 7,295,000 |
| Equity capital | 4,537,000 | 4,565,000 | 4,581,000 | 4,462,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 299,000 | 591,000 | 935,000 | 1,241,000 |
| Interest expense | 73,000 | 140,000 | 206,000 | 261,000 |
| Net interest income | 226,000 | 451,000 | 729,000 | 980,000 |
| Noninterest income | 93,000 | 166,000 | 177,000 | 197,000 |
| Noninterest expense | 223,000 | 446,000 | 689,000 | 930,000 |
| Provision for loan losses | 0 | 25,000 | 25,000 | 25,000 |
| Pretax income | 96,000 | 146,000 | 192,000 | 222,000 |
| Income tax | 19,000 | 22,000 | 36,000 | 42,000 |
| Net income | 77,000 | 124,000 | 156,000 | 180,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,537,000 | 4,565,000 | 4,581,000 | 4,462,000 |
| Total capital | 4,890,000 | 4,915,000 | 4,937,000 | 4,812,000 |
| Risk-weighted assets | 28,126,000 | 27,952,000 | 28,402,000 | 27,939,000 |
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