Call reports 2023
BATTLE CREEK STATE BANK — 2023
What BATTLE CREEK STATE BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 37,049,000 | 37,687,000 | 36,286,000 | 36,974,000 |
| Total loans | 24,492,000 | 24,917,000 | 27,114,000 | 27,575,000 |
| Allowance for loan losses | 407,000 | 392,000 | 375,000 | 387,000 |
| Securities available for sale | 8,167,000 | 7,609,000 | 7,508,000 | 7,666,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 31,183,000 | 31,966,000 | 30,196,000 | 31,211,000 |
| Interest-bearing deposits | 23,706,000 | 23,234,000 | 22,877,000 | 23,935,000 |
| Noninterest-bearing deposits | 7,477,000 | 8,732,000 | 7,319,000 | 7,276,000 |
| Equity capital | 4,658,000 | 4,597,000 | 4,552,000 | 4,671,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 421,000 | 851,000 | 1,304,000 | 1,793,000 |
| Interest expense | 97,000 | 205,000 | 322,000 | 486,000 |
| Net interest income | 324,000 | 646,000 | 982,000 | 1,307,000 |
| Noninterest income | 26,000 | 72,000 | 119,000 | 147,000 |
| Noninterest expense | 251,000 | 514,000 | 767,000 | 1,049,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 55,000 | 143,000 | 273,000 | 345,000 |
| Income tax | 11,000 | 16,000 | 59,000 | -37,000 |
| Net income | 44,000 | 127,000 | 214,000 | 382,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,510,000 | 4,603,000 | 4,641,000 | 4,640,000 |
| Total capital | 4,845,000 | 4,945,000 | 5,001,000 | 5,007,000 |
| Risk-weighted assets | 26,692,000 | 27,332,000 | 28,812,000 | 29,308,000 |
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