Call reports 2021
KALAMAZOO COUNTY STATE BANK — 2021
What KALAMAZOO COUNTY STATE BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 121,351,000 | 122,506,000 | 124,107,000 | 126,735,000 |
| Total loans | 51,691,000 | 48,761,000 | 49,605,000 | 51,066,000 |
| Allowance for loan losses | 463,000 | 458,000 | 460,000 | 486,000 |
| Securities available for sale | 48,425,000 | 53,793,000 | 56,703,000 | 55,303,000 |
| Securities held to maturity | 5,872,000 | 5,857,000 | 5,789,000 | 5,728,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 108,889,000 | 109,699,000 | 111,142,000 | 114,317,000 |
| Interest-bearing deposits | 65,991,000 | 67,258,000 | 70,236,000 | 70,379,000 |
| Noninterest-bearing deposits | 42,898,000 | 42,441,000 | 40,906,000 | 43,938,000 |
| Equity capital | 12,280,000 | 12,609,000 | 12,711,000 | 12,009,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 925,000 | 1,935,000 | 2,919,000 | 3,820,000 |
| Interest expense | 27,000 | 53,000 | 82,000 | 108,000 |
| Net interest income | 898,000 | 1,882,000 | 2,837,000 | 3,712,000 |
| Noninterest income | 91,000 | 192,000 | 279,000 | 367,000 |
| Noninterest expense | 873,000 | 1,700,000 | 2,547,000 | 3,446,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 187,000 | 451,000 | 646,000 | 726,000 |
| Income tax | 41,000 | 99,000 | 142,000 | 160,000 |
| Net income | 146,000 | 352,000 | 504,000 | 566,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,311,000 | 12,518,000 | 12,669,000 | 12,557,000 |
| Total capital | 12,774,000 | 12,976,000 | 13,129,000 | 13,043,000 |
| Risk-weighted assets | 60,823,000 | 58,847,000 | 62,564,000 | 66,749,000 |