Call reports 2016
KALAMAZOO COUNTY STATE BANK — 2016
What KALAMAZOO COUNTY STATE BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 98,042,000 | 101,864,000 | 100,359,000 | 95,935,000 |
| Total loans | 43,394,000 | 43,807,000 | 43,567,000 | 41,635,000 |
| Allowance for loan losses | 397,000 | 298,000 | 299,000 | 291,000 |
| Securities available for sale | 46,467,000 | 45,654,000 | 46,480,000 | 46,355,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 86,411,000 | 89,850,000 | 88,201,000 | 82,686,000 |
| Interest-bearing deposits | 61,430,000 | 61,251,000 | 60,726,000 | 56,403,000 |
| Noninterest-bearing deposits | 24,981,000 | 28,599,000 | 27,475,000 | 26,283,000 |
| Equity capital | 11,464,000 | 11,820,000 | 11,951,000 | 11,007,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 787,000 | 1,581,000 | 2,395,000 | 3,177,000 |
| Interest expense | 31,000 | 63,000 | 94,000 | 125,000 |
| Net interest income | 756,000 | 1,518,000 | 2,301,000 | 3,052,000 |
| Noninterest income | 119,000 | 227,000 | 349,000 | 438,000 |
| Noninterest expense | 809,000 | 1,606,000 | 2,345,000 | 3,043,000 |
| Provision for loan losses | 0 | 0 | 0 | 15,000 |
| Pretax income | 87,000 | 234,000 | 441,000 | 568,000 |
| Income tax | 24,000 | 71,000 | 138,000 | 138,000 |
| Net income | 63,000 | 163,000 | 303,000 | 430,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,951,000 | 11,032,000 | 11,271,000 | 11,305,000 |
| Total capital | 11,348,000 | 11,330,000 | 11,570,000 | 11,596,000 |
| Risk-weighted assets | 51,777,000 | 54,253,000 | 53,617,000 | 50,987,000 |