Call reports 2009
KALAMAZOO COUNTY STATE BANK — 2009
What KALAMAZOO COUNTY STATE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 77,839,000 | 78,052,000 | 75,620,000 | 78,224,000 |
| Total loans | 44,208,000 | 43,917,000 | 43,927,000 | 44,902,000 |
| Allowance for loan losses | 878,000 | 857,000 | 853,000 | 808,000 |
| Securities available for sale | 22,185,000 | 25,804,000 | 26,439,000 | 23,940,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 66,477,000 | 66,686,000 | 63,829,000 | 67,180,000 |
| Interest-bearing deposits | 53,344,000 | 52,235,000 | 50,742,000 | 53,256,000 |
| Noninterest-bearing deposits | 13,133,000 | 14,451,000 | 13,087,000 | 13,924,000 |
| Equity capital | 10,827,000 | 10,793,000 | 11,211,000 | 10,636,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 906,000 | 1,820,000 | 2,735,000 | 3,646,000 |
| Interest expense | 243,000 | 462,000 | 666,000 | 854,000 |
| Net interest income | 663,000 | 1,358,000 | 2,069,000 | 2,792,000 |
| Noninterest income | 139,000 | 300,000 | 594,000 | 372,000 |
| Noninterest expense | 776,000 | 1,512,000 | 2,285,000 | 3,085,000 |
| Provision for loan losses | 140,000 | 170,000 | 200,000 | 460,000 |
| Pretax income | -114,000 | -24,000 | 178,000 | -381,000 |
| Income tax | -79,000 | -84,000 | -44,000 | -276,000 |
| Net income | -35,000 | 60,000 | 222,000 | -105,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,508,000 | 10,588,000 | 10,720,000 | 10,361,000 |
| Total capital | 11,074,000 | 11,150,000 | 11,288,000 | 10,938,000 |
| Risk-weighted assets | 45,250,000 | 44,943,000 | 45,398,000 | 46,200,000 |
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