Call reports 2022
KALAMAZOO COUNTY STATE BANK — 2022
What KALAMAZOO COUNTY STATE BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 127,169,000 | 127,606,000 | 125,620,000 | 127,639,000 |
| Total loans | 53,970,000 | 54,669,000 | 57,314,000 | 60,760,000 |
| Allowance for loan losses | 483,000 | 485,000 | 476,000 | 488,000 |
| Securities available for sale | 52,067,000 | 50,649,000 | 51,642,000 | 49,585,000 |
| Securities held to maturity | 5,678,000 | 5,566,000 | 5,494,000 | 5,416,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 117,061,000 | 119,045,000 | 114,618,000 | 112,999,000 |
| Interest-bearing deposits | 73,830,000 | 72,204,000 | 71,162,000 | 68,806,000 |
| Noninterest-bearing deposits | 43,231,000 | 46,841,000 | 43,456,000 | 44,193,000 |
| Equity capital | 9,829,000 | 8,416,000 | 8,366,000 | 7,110,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 949,000 | 1,920,000 | 2,945,000 | 4,026,000 |
| Interest expense | 28,000 | 54,000 | 80,000 | 134,000 |
| Net interest income | 921,000 | 1,866,000 | 2,865,000 | 3,892,000 |
| Noninterest income | 96,000 | 190,000 | 288,000 | 375,000 |
| Noninterest expense | 893,000 | 1,739,000 | 2,622,000 | 3,613,000 |
| Provision for loan losses | 0 | 0 | 0 | 22,000 |
| Pretax income | 124,000 | 317,000 | 531,000 | 632,000 |
| Income tax | 27,000 | 70,000 | 117,000 | 139,000 |
| Net income | 97,000 | 247,000 | 414,000 | 493,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,654,000 | 12,804,000 | 12,971,000 | 12,886,000 |
| Total capital | 13,137,000 | 13,289,000 | 13,447,000 | 13,374,000 |
| Risk-weighted assets | 70,386,000 | 71,010,000 | 74,295,000 | 79,048,000 |