Call reports 2019
KALAMAZOO COUNTY STATE BANK — 2019
What KALAMAZOO COUNTY STATE BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 99,175,000 | 98,218,000 | 95,274,000 | 96,031,000 |
| Total loans | 42,539,000 | 43,558,000 | 44,196,000 | 45,106,000 |
| Allowance for loan losses | 352,000 | 401,000 | 417,000 | 435,000 |
| Securities available for sale | 35,622,000 | 34,193,000 | 32,824,000 | 32,807,000 |
| Securities held to maturity | 7,459,000 | 7,451,000 | 8,489,000 | 8,475,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 88,027,000 | 86,408,000 | 83,246,000 | 84,127,000 |
| Interest-bearing deposits | 59,716,000 | 57,148,000 | 56,117,000 | 56,095,000 |
| Noninterest-bearing deposits | 28,311,000 | 29,260,000 | 27,129,000 | 28,032,000 |
| Equity capital | 11,068,000 | 11,714,000 | 11,895,000 | 11,736,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 909,000 | 1,813,000 | 2,742,000 | 3,648,000 |
| Interest expense | 26,000 | 50,000 | 73,000 | 98,000 |
| Net interest income | 883,000 | 1,763,000 | 2,669,000 | 3,550,000 |
| Noninterest income | 82,000 | 173,000 | 263,000 | 114,000 |
| Noninterest expense | 836,000 | 1,686,000 | 2,497,000 | 3,265,000 |
| Provision for loan losses | 22,000 | 45,000 | 60,000 | 75,000 |
| Pretax income | 107,000 | 205,000 | 377,000 | 320,000 |
| Income tax | 21,000 | 40,000 | 83,000 | 64,000 |
| Net income | 86,000 | 165,000 | 294,000 | 256,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,683,000 | 11,793,000 | 11,928,000 | 11,829,000 |
| Total capital | 12,035,000 | 12,194,000 | 12,345,000 | 12,264,000 |
| Risk-weighted assets | 53,227,000 | 50,859,000 | 52,552,000 | 52,546,000 |