Call reports 2015
KINGSLEY STATE BANK — 2015
What KINGSLEY STATE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 179,205,000 | 176,901,000 | 177,400,000 | 185,296,000 |
| Total loans | 108,634,000 | 113,404,000 | 112,851,000 | 116,777,000 |
| Allowance for loan losses | 1,814,000 | 1,823,000 | 1,832,000 | 2,091,000 |
| Securities available for sale | 51,688,000 | 46,685,000 | 44,670,000 | 44,798,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 145,279,000 | 142,871,000 | 143,203,000 | 151,016,000 |
| Interest-bearing deposits | 128,877,000 | 128,026,000 | 127,236,000 | 133,513,000 |
| Noninterest-bearing deposits | 16,402,000 | 14,845,000 | 15,967,000 | 17,503,000 |
| Equity capital | 22,594,000 | 22,545,000 | 23,179,000 | 23,243,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,524,000 | 3,090,000 | 4,658,000 | 6,250,000 |
| Interest expense | 187,000 | 381,000 | 586,000 | 793,000 |
| Net interest income | 1,337,000 | 2,709,000 | 4,072,000 | 5,457,000 |
| Noninterest income | 83,000 | 242,000 | 352,000 | 469,000 |
| Noninterest expense | 819,000 | 1,590,000 | 2,344,000 | 3,457,000 |
| Provision for loan losses | 0 | 0 | 0 | 250,000 |
| Pretax income | 622,000 | 1,382,000 | 2,101,000 | 2,240,000 |
| Income tax | 31,000 | 69,000 | 105,000 | 86,000 |
| Net income | 591,000 | 1,313,000 | 1,996,000 | 2,154,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,672,000 | 21,962,000 | 22,520,000 | 23,222,000 |
| Total capital | 23,363,000 | 23,716,000 | 24,322,000 | 24,957,000 |
| Risk-weighted assets | 135,121,000 | 140,245,000 | 144,091,000 | 138,477,000 |