Call reports 2008
KALAMAZOO COUNTY STATE BANK — 2008
What KALAMAZOO COUNTY STATE BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 73,192,000 | 75,165,000 | 74,702,000 | 76,450,000 |
| Total loans | 49,964,000 | 48,331,000 | 47,850,000 | 46,232,000 |
| Allowance for loan losses | 916,000 | 915,000 | 873,000 | 745,000 |
| Securities available for sale | 15,595,000 | 15,684,000 | 18,072,000 | 20,838,000 |
| Securities held to maturity | 115,000 | 115,000 | 115,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 62,050,000 | 64,100,000 | 63,634,000 | 65,122,000 |
| Interest-bearing deposits | 50,034,000 | 49,888,000 | 50,905,000 | 51,466,000 |
| Noninterest-bearing deposits | 12,017,000 | 14,212,000 | 12,729,000 | 13,656,000 |
| Equity capital | 10,496,000 | 10,337,000 | 10,347,000 | 10,815,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,028,000 | 2,022,000 | 3,020,000 | 3,974,000 |
| Interest expense | 312,000 | 603,000 | 881,000 | 1,147,000 |
| Net interest income | 716,000 | 1,419,000 | 2,139,000 | 2,827,000 |
| Noninterest income | 157,000 | 332,000 | 501,000 | 640,000 |
| Noninterest expense | 730,000 | 1,495,000 | 2,282,000 | 2,913,000 |
| Provision for loan losses | 175,000 | 175,000 | 175,000 | 358,000 |
| Pretax income | -32,000 | 81,000 | 183,000 | 196,000 |
| Income tax | -50,000 | -57,000 | -65,000 | -127,000 |
| Net income | 18,000 | 138,000 | 248,000 | 323,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,330,000 | 10,421,000 | 10,499,000 | 10,544,000 |
| Total capital | 10,951,000 | 11,025,000 | 11,100,000 | 11,140,000 |
| Risk-weighted assets | 49,645,000 | 48,218,000 | 48,037,000 | 47,772,000 |
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