Call reports 2012
KALAMAZOO COUNTY STATE BANK — 2012
What KALAMAZOO COUNTY STATE BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 86,770,000 | 87,617,000 | 86,646,000 | 88,352,000 |
| Total loans | 43,543,000 | 40,407,000 | 41,035,000 | 44,098,000 |
| Allowance for loan losses | 543,000 | 582,000 | 609,000 | 582,000 |
| Securities available for sale | 28,951,000 | 28,199,000 | 27,966,000 | 30,416,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 75,402,000 | 75,975,000 | 74,961,000 | 76,601,000 |
| Interest-bearing deposits | 57,986,000 | 57,122,000 | 57,993,000 | 56,942,000 |
| Noninterest-bearing deposits | 17,416,000 | 18,853,000 | 16,968,000 | 19,659,000 |
| Equity capital | 11,245,000 | 11,428,000 | 11,520,000 | 11,529,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 851,000 | 1,648,000 | 2,432,000 | 3,219,000 |
| Interest expense | 78,000 | 153,000 | 221,000 | 281,000 |
| Net interest income | 773,000 | 1,495,000 | 2,211,000 | 2,938,000 |
| Noninterest income | 123,000 | 285,000 | 416,000 | 568,000 |
| Noninterest expense | 748,000 | 1,509,000 | 2,277,000 | 3,025,000 |
| Provision for loan losses | 249,000 | 279,000 | 299,000 | 299,000 |
| Pretax income | -101,000 | -8,000 | 51,000 | 182,000 |
| Income tax | -75,000 | -82,000 | -105,000 | -101,000 |
| Net income | -26,000 | 74,000 | 156,000 | 283,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,790,000 | 10,889,000 | 10,858,000 | 10,821,000 |
| Total capital | 11,330,000 | 11,442,000 | 11,421,000 | 11,400,000 |
| Risk-weighted assets | 46,081,000 | 44,463,000 | 45,236,000 | 48,276,000 |