Call reports 2014
KALAMAZOO COUNTY STATE BANK — 2014
What KALAMAZOO COUNTY STATE BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 94,558,000 | 95,917,000 | 94,138,000 | 95,139,000 |
| Total loans | 38,910,000 | 39,983,000 | 39,236,000 | 39,993,000 |
| Allowance for loan losses | 476,000 | 477,000 | 482,000 | 427,000 |
| Securities available for sale | 38,057,000 | 38,484,000 | 36,702,000 | 44,743,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 83,274,000 | 84,357,000 | 82,499,000 | 83,421,000 |
| Interest-bearing deposits | 62,231,000 | 61,284,000 | 60,543,000 | 58,142,000 |
| Noninterest-bearing deposits | 21,043,000 | 23,073,000 | 21,956,000 | 25,279,000 |
| Equity capital | 11,180,000 | 11,353,000 | 11,439,000 | 11,462,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 733,000 | 1,488,000 | 2,243,000 | 2,996,000 |
| Interest expense | 41,000 | 82,000 | 118,000 | 155,000 |
| Net interest income | 692,000 | 1,406,000 | 2,125,000 | 2,841,000 |
| Noninterest income | 117,000 | 246,000 | 364,000 | 453,000 |
| Noninterest expense | 784,000 | 1,586,000 | 2,395,000 | 3,222,000 |
| Provision for loan losses | 0 | 0 | 0 | -50,000 |
| Pretax income | 25,000 | 66,000 | 94,000 | 122,000 |
| Income tax | -30,000 | -45,000 | -73,000 | -114,000 |
| Net income | 55,000 | 111,000 | 167,000 | 236,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,216,000 | 11,273,000 | 11,329,000 | 11,321,000 |
| Total capital | 11,692,000 | 11,750,000 | 11,811,000 | 11,748,000 |
| Risk-weighted assets | 46,148,000 | 48,010,000 | 46,510,000 | 48,500,000 |
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