Call reports 2022
BATTLE CREEK STATE BANK — 2022
What BATTLE CREEK STATE BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 40,657,000 | 43,376,000 | 39,794,000 | 41,100,000 |
| Total loans | 26,001,000 | 26,205,000 | 26,818,000 | 25,653,000 |
| Allowance for loan losses | 407,000 | 407,000 | 407,000 | 407,000 |
| Securities available for sale | 7,530,000 | 7,506,000 | 4,455,000 | 8,281,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 35,048,000 | 37,739,000 | 34,080,000 | 31,384,000 |
| Interest-bearing deposits | 27,364,000 | 28,801,000 | 26,271,000 | 24,656,000 |
| Noninterest-bearing deposits | 7,684,000 | 8,938,000 | 7,809,000 | 6,728,000 |
| Equity capital | 4,452,000 | 4,484,000 | 4,539,000 | 4,542,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 287,000 | 591,000 | 935,000 | 1,352,000 |
| Interest expense | 48,000 | 102,000 | 163,000 | 274,000 |
| Net interest income | 239,000 | 489,000 | 772,000 | 1,078,000 |
| Noninterest income | 60,000 | 87,000 | 122,000 | 148,000 |
| Noninterest expense | 245,000 | 467,000 | 686,000 | 915,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 54,000 | 109,000 | 208,000 | 311,000 |
| Income tax | 9,000 | 20,000 | 37,000 | 57,000 |
| Net income | 45,000 | 89,000 | 171,000 | 254,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,509,000 | 4,557,000 | 4,600,000 | 4,504,000 |
| Total capital | 4,851,000 | 4,908,000 | 4,958,000 | 4,855,000 |
| Risk-weighted assets | 27,295,000 | 27,992,000 | 28,629,000 | 28,043,000 |
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