Call reports 2007
KALAMAZOO COUNTY STATE BANK — 2007
What KALAMAZOO COUNTY STATE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 72,729,000 | 71,156,000 | 73,313,000 | 71,435,000 |
| Total loans | 49,254,000 | 49,650,000 | 51,367,000 | 51,117,000 |
| Allowance for loan losses | 831,000 | 747,000 | 757,000 | 758,000 |
| Securities available for sale | 8,564,000 | 14,051,000 | 13,517,000 | 14,562,000 |
| Securities held to maturity | 4,595,000 | 2,115,000 | 2,115,000 | 115,000 |
| Trading assets | 4,887,000 | 0 | 0 | 0 |
| Total deposits | 60,729,000 | 60,268,000 | 62,111,000 | 60,426,000 |
| Interest-bearing deposits | 47,842,000 | 47,137,000 | 47,754,000 | 46,569,000 |
| Noninterest-bearing deposits | 12,888,000 | 13,132,000 | 14,357,000 | 13,857,000 |
| Equity capital | 10,131,000 | 10,081,000 | 10,424,000 | 10,306,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,075,000 | 2,201,000 | 3,346,000 | 4,323,000 |
| Interest expense | 337,000 | 684,000 | 1,021,000 | 1,343,000 |
| Net interest income | 738,000 | 1,517,000 | 2,325,000 | 2,980,000 |
| Noninterest income | 189,000 | 352,000 | 505,000 | 731,000 |
| Noninterest expense | 733,000 | 1,476,000 | 2,190,000 | 2,992,000 |
| Provision for loan losses | 6,000 | 12,000 | 18,000 | 274,000 |
| Pretax income | 165,000 | 358,000 | 599,000 | 422,000 |
| Income tax | 25,000 | 56,000 | 95,000 | -5,000 |
| Net income | 140,000 | 302,000 | 504,000 | 427,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,191,000 | 10,315,000 | 10,479,000 | 10,313,000 |
| Total capital | 10,850,000 | 10,924,000 | 11,114,000 | 10,939,000 |
| Risk-weighted assets | 52,786,000 | 48,794,000 | 50,960,000 | 50,218,000 |
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