Call reports 2025
KENTLAND BANK — 2025
What KENTLAND BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 389,409,000 | 392,792,000 | 408,927,000 | 406,504,000 |
| Total loans | 249,654,000 | 257,122,000 | 274,104,000 | 276,500,000 |
| Allowance for loan losses | 3,418,000 | 3,573,000 | 4,028,000 | 4,168,000 |
| Securities available for sale | 108,422,000 | 104,346,000 | 100,399,000 | 100,429,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 312,022,000 | 308,762,000 | 317,259,000 | 310,696,000 |
| Interest-bearing deposits | 231,045,000 | 235,366,000 | 244,041,000 | 237,659,000 |
| Noninterest-bearing deposits | 80,977,000 | 73,396,000 | 73,218,000 | 73,037,000 |
| Equity capital | 41,293,000 | 43,219,000 | 45,470,000 | 44,629,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 5,298,000 | 10,857,000 | 16,830,000 | 22,828,000 |
| Interest expense | 1,714,000 | 3,494,000 | 5,335,000 | 7,205,000 |
| Net interest income | 3,584,000 | 7,363,000 | 11,495,000 | 15,623,000 |
| Noninterest income | 300,000 | 603,000 | 992,000 | 1,309,000 |
| Noninterest expense | 2,388,000 | 4,680,000 | 7,134,000 | 9,355,000 |
| Provision for loan losses | 156,000 | 312,000 | 768,000 | 1,444,000 |
| Pretax income | 1,340,000 | 2,974,000 | 4,513,000 | 6,061,000 |
| Income tax | 220,000 | 520,000 | 778,000 | 1,041,000 |
| Net income | 1,120,000 | 2,454,000 | 3,735,000 | 5,020,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 47,957,000 | 49,292,000 | 49,901,000 | 48,187,000 |