Call reports 2017
KALAMAZOO COUNTY STATE BANK — 2017
What KALAMAZOO COUNTY STATE BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 97,501,000 | 98,225,000 | 99,180,000 | 95,548,000 |
| Total loans | 40,025,000 | 38,409,000 | 37,666,000 | 39,066,000 |
| Allowance for loan losses | 271,000 | 276,000 | 291,000 | 308,000 |
| Securities available for sale | 46,390,000 | 40,689,000 | 41,616,000 | 40,116,000 |
| Securities held to maturity | 0 | 7,270,000 | 7,506,000 | 7,523,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 86,286,000 | 86,604,000 | 87,577,000 | 84,452,000 |
| Interest-bearing deposits | 58,378,000 | 58,126,000 | 59,425,000 | 55,871,000 |
| Noninterest-bearing deposits | 27,908,000 | 28,478,000 | 28,152,000 | 28,581,000 |
| Equity capital | 11,070,000 | 11,434,000 | 11,435,000 | 10,884,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 780,000 | 1,560,000 | 2,352,000 | 3,142,000 |
| Interest expense | 28,000 | 53,000 | 79,000 | 102,000 |
| Net interest income | 752,000 | 1,507,000 | 2,273,000 | 3,040,000 |
| Noninterest income | 34,000 | 146,000 | 249,000 | 315,000 |
| Noninterest expense | 760,000 | 1,506,000 | 2,255,000 | 3,037,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 19,000 | 125,000 | 230,000 | 266,000 |
| Income tax | -6,000 | 18,000 | 52,000 | 403,000 |
| Net income | 25,000 | 107,000 | 178,000 | -137,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,288,000 | 11,360,000 | 11,471,000 | 11,325,000 |
| Total capital | 11,559,000 | 11,636,000 | 11,762,000 | 11,633,000 |
| Risk-weighted assets | 51,110,000 | 47,701,000 | 49,358,000 | 49,085,000 |