Call reports 2013
KALAMAZOO COUNTY STATE BANK — 2013
What KALAMAZOO COUNTY STATE BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 95,642,000 | 89,590,000 | 90,151,000 | 89,420,000 |
| Total loans | 41,826,000 | 40,349,000 | 39,770,000 | 39,510,000 |
| Allowance for loan losses | 601,000 | 612,000 | 566,000 | 552,000 |
| Securities available for sale | 31,127,000 | 31,956,000 | 34,775,000 | 35,355,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 83,938,000 | 78,130,000 | 78,829,000 | 78,063,000 |
| Interest-bearing deposits | 61,041,000 | 58,723,000 | 60,163,000 | 58,288,000 |
| Noninterest-bearing deposits | 22,897,000 | 19,407,000 | 18,666,000 | 19,775,000 |
| Equity capital | 11,598,000 | 11,256,000 | 11,181,000 | 11,093,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 769,000 | 1,513,000 | 2,262,000 | 3,005,000 |
| Interest expense | 57,000 | 110,000 | 159,000 | 204,000 |
| Net interest income | 712,000 | 1,403,000 | 2,103,000 | 2,801,000 |
| Noninterest income | 124,000 | 268,000 | 360,000 | 500,000 |
| Noninterest expense | 786,000 | 1,594,000 | 2,395,000 | 3,167,000 |
| Provision for loan losses | 15,000 | 20,000 | -30,000 | -30,000 |
| Pretax income | 35,000 | 57,000 | 98,000 | 164,000 |
| Income tax | -29,000 | -61,000 | -87,000 | -104,000 |
| Net income | 64,000 | 118,000 | 185,000 | 268,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,061,000 | 11,114,000 | 11,182,000 | 11,161,000 |
| Total capital | 11,642,000 | 11,684,000 | 11,748,000 | 11,713,000 |
| Risk-weighted assets | 46,488,000 | 45,532,000 | 45,399,000 | 46,254,000 |