Call reports 2024
BATTLE CREEK STATE BANK — 2024
What BATTLE CREEK STATE BANK reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 39,872,000 | 42,258,000 | 40,796,000 | 37,642,000 |
| Total loans | 27,319,000 | 27,334,000 | 28,385,000 | 28,141,000 |
| Allowance for loan losses | 387,000 | 387,000 | 387,000 | 387,000 |
| Securities available for sale | 6,116,000 | 7,591,000 | 7,743,000 | 7,613,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 34,073,000 | 36,391,000 | 35,704,000 | 32,550,000 |
| Interest-bearing deposits | 26,620,000 | 28,203,000 | 28,506,000 | 26,321,000 |
| Noninterest-bearing deposits | 7,453,000 | 8,188,000 | 7,198,000 | 6,229,000 |
| Equity capital | 4,663,000 | 4,724,000 | 4,908,000 | 4,677,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 505,000 | 1,047,000 | 1,615,000 | 2,154,000 |
| Interest expense | 191,000 | 398,000 | 616,000 | 808,000 |
| Net interest income | 314,000 | 649,000 | 999,000 | 1,346,000 |
| Noninterest income | 38,000 | 141,000 | 220,000 | 290,000 |
| Noninterest expense | 277,000 | 604,000 | 933,000 | 1,255,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 75,000 | 186,000 | 286,000 | 381,000 |
| Income tax | 17,000 | 43,000 | 64,000 | 91,000 |
| Net income | 58,000 | 143,000 | 222,000 | 290,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,677,000 | 4,742,000 | 4,803,000 | 4,676,000 |
| Total capital | 5,046,000 | 5,117,000 | 5,184,000 | 5,049,000 |
| Risk-weighted assets | 29,465,000 | 29,993,000 | 30,503,000 | 29,801,000 |
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