Call reports 2020
KALAMAZOO COUNTY STATE BANK — 2020
What KALAMAZOO COUNTY STATE BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 98,722,000 | 111,926,000 | 111,873,000 | 111,476,000 |
| Total loans | 46,409,000 | 50,286,000 | 50,850,000 | 50,310,000 |
| Allowance for loan losses | 429,000 | 411,000 | 397,000 | 460,000 |
| Securities available for sale | 35,743,000 | 35,777,000 | 45,146,000 | 43,452,000 |
| Securities held to maturity | 6,459,000 | 6,442,000 | 5,926,000 | 5,886,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 86,297,000 | 99,032,000 | 98,812,000 | 98,446,000 |
| Interest-bearing deposits | 56,839,000 | 58,814,000 | 63,125,000 | 62,225,000 |
| Noninterest-bearing deposits | 29,458,000 | 40,218,000 | 35,687,000 | 36,221,000 |
| Equity capital | 12,337,000 | 12,771,000 | 12,910,000 | 12,827,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 891,000 | 1,778,000 | 2,673,000 | 3,606,000 |
| Interest expense | 27,000 | 53,000 | 81,000 | 106,000 |
| Net interest income | 864,000 | 1,725,000 | 2,592,000 | 3,500,000 |
| Noninterest income | 82,000 | 205,000 | 321,000 | 434,000 |
| Noninterest expense | 825,000 | 1,639,000 | 2,496,000 | 3,382,000 |
| Provision for loan losses | 0 | 0 | 0 | 50,000 |
| Pretax income | 121,000 | 291,000 | 417,000 | 504,000 |
| Income tax | 29,000 | 66,000 | 94,000 | 113,000 |
| Net income | 92,000 | 225,000 | 323,000 | 391,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,946,000 | 12,102,000 | 12,200,000 | 12,165,000 |
| Total capital | 12,375,000 | 12,513,000 | 12,597,000 | 12,625,000 |
| Risk-weighted assets | 55,222,000 | 55,226,000 | 56,775,000 | 58,188,000 |