Call reports 2015
KALAMAZOO COUNTY STATE BANK — 2015
What KALAMAZOO COUNTY STATE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 99,046,000 | 97,098,000 | 93,585,000 | 97,602,000 |
| Total loans | 41,578,000 | 40,996,000 | 40,541,000 | 41,792,000 |
| Allowance for loan losses | 425,000 | 404,000 | 417,000 | 407,000 |
| Securities available for sale | 45,296,000 | 47,159,000 | 45,523,000 | 46,360,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 87,185,000 | 85,643,000 | 81,853,000 | 86,137,000 |
| Interest-bearing deposits | 61,403,000 | 58,368,000 | 57,362,000 | 59,400,000 |
| Noninterest-bearing deposits | 25,782,000 | 27,275,000 | 24,491,000 | 26,737,000 |
| Equity capital | 11,668,000 | 11,157,000 | 11,400,000 | 11,014,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 776,000 | 1,526,000 | 2,278,000 | 3,018,000 |
| Interest expense | 36,000 | 71,000 | 102,000 | 133,000 |
| Net interest income | 740,000 | 1,455,000 | 2,176,000 | 2,885,000 |
| Noninterest income | 107,000 | 96,000 | 180,000 | 288,000 |
| Noninterest expense | 815,000 | 1,628,000 | 2,495,000 | 3,431,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 326,000 | 290,000 | 239,000 | 120,000 |
| Income tax | 67,000 | 49,000 | 15,000 | -15,000 |
| Net income | 259,000 | 241,000 | 224,000 | 135,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,132,000 | 11,087,000 | 11,056,000 | 10,864,000 |
| Total capital | 11,557,000 | 11,491,000 | 11,473,000 | 11,271,000 |
| Risk-weighted assets | 49,002,000 | 49,147,000 | 49,327,000 | 50,770,000 |