Call reports 2025
BATTLE CREEK STATE BANK — 2025
What BATTLE CREEK STATE BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 48,232,000 | 41,550,000 | 47,489,000 | 53,974,000 |
| Total loans | 27,899,000 | 27,332,000 | 33,601,000 | 39,085,000 |
| Allowance for loan losses | 392,000 | 392,000 | 392,000 | 392,000 |
| Securities available for sale | 8,142,000 | 9,133,000 | 8,559,000 | 8,136,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 43,382,000 | 36,674,000 | 37,809,000 | 44,215,000 |
| Interest-bearing deposits | 35,696,000 | 28,391,000 | 29,976,000 | 37,373,000 |
| Noninterest-bearing deposits | 7,686,000 | 8,283,000 | 7,833,000 | 6,842,000 |
| Equity capital | 4,733,000 | 4,768,000 | 9,554,000 | 9,573,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 552,000 | 1,143,000 | 1,776,000 | 2,486,000 |
| Interest expense | 193,000 | 406,000 | 604,000 | 829,000 |
| Net interest income | 359,000 | 737,000 | 1,172,000 | 1,657,000 |
| Noninterest income | 66,000 | 130,000 | 208,000 | 338,000 |
| Noninterest expense | 374,000 | 718,000 | 1,115,000 | 1,633,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 51,000 | 149,000 | 265,000 | 362,000 |
| Income tax | 13,000 | 32,000 | 55,000 | 89,000 |
| Net income | 38,000 | 117,000 | 210,000 | 273,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,693,000 | 4,754,000 | 9,498,000 | 9,520,000 |
| Total capital | 5,085,000 | 5,130,000 | 9,890,000 | 9,912,000 |
| Risk-weighted assets | 31,757,000 | 30,088,000 | 36,306,000 | 42,201,000 |