Call reports 2018
KALAMAZOO COUNTY STATE BANK — 2018
What KALAMAZOO COUNTY STATE BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 95,385,000 | 95,179,000 | 98,841,000 | 97,376,000 |
| Total loans | 40,606,000 | 40,030,000 | 41,910,000 | 43,119,000 |
| Allowance for loan losses | 301,000 | 332,000 | 350,000 | 356,000 |
| Securities available for sale | 38,238,000 | 35,981,000 | 34,703,000 | 34,133,000 |
| Securities held to maturity | 7,494,000 | 7,483,000 | 7,475,000 | 7,467,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 84,878,000 | 84,846,000 | 88,518,000 | 86,516,000 |
| Interest-bearing deposits | 58,304,000 | 57,159,000 | 59,377,000 | 58,500,000 |
| Noninterest-bearing deposits | 26,574,000 | 27,687,000 | 29,141,000 | 28,016,000 |
| Equity capital | 10,403,000 | 10,196,000 | 10,151,000 | 10,695,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 817,000 | 1,639,000 | 2,499,000 | 3,384,000 |
| Interest expense | 27,000 | 50,000 | 77,000 | 99,000 |
| Net interest income | 790,000 | 1,589,000 | 2,422,000 | 3,285,000 |
| Noninterest income | 114,000 | -27,000 | 84,000 | 180,000 |
| Noninterest expense | 769,000 | 1,565,000 | 2,364,000 | 3,105,000 |
| Provision for loan losses | 15,000 | 35,000 | 58,000 | 80,000 |
| Pretax income | 120,000 | -38,000 | 84,000 | 280,000 |
| Income tax | 28,000 | -7,000 | 17,000 | 59,000 |
| Net income | 92,000 | -31,000 | 67,000 | 221,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,441,000 | 11,341,000 | 11,469,000 | 11,574,000 |
| Total capital | 11,742,000 | 11,673,000 | 11,819,000 | 11,930,000 |
| Risk-weighted assets | 50,623,000 | 51,757,000 | 51,431,000 | 52,817,000 |