Call reports 2025
KALAMAZOO COUNTY STATE BANK — 2025
What KALAMAZOO COUNTY STATE 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 | 122,465,000 | 120,036,000 | 124,806,000 | 119,879,000 |
| Total loans | 55,882,000 | 55,077,000 | 55,266,000 | 56,106,000 |
| Allowance for loan losses | 532,000 | 520,000 | 484,000 | 510,000 |
| Securities available for sale | 45,082,000 | 44,871,000 | 43,106,000 | 42,789,000 |
| Securities held to maturity | 5,153,000 | 5,149,000 | 5,145,000 | 4,865,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 110,954,000 | 108,144,000 | 112,153,000 | 106,677,000 |
| Interest-bearing deposits | 69,202,000 | 66,232,000 | 73,754,000 | 66,891,000 |
| Noninterest-bearing deposits | 41,752,000 | 41,912,000 | 38,399,000 | 39,786,000 |
| Equity capital | 11,105,000 | 11,364,000 | 12,150,000 | 12,435,000 |
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 | 1,254,000 | 2,545,000 | 3,871,000 | 5,188,000 |
| Interest expense | 162,000 | 345,000 | 527,000 | 699,000 |
| Net interest income | 1,092,000 | 2,200,000 | 3,344,000 | 4,489,000 |
| Noninterest income | 85,000 | 173,000 | 262,000 | 354,000 |
| Noninterest expense | 991,000 | 2,000,000 | 3,006,000 | 3,984,000 |
| Provision for loan losses | 30,000 | 40,000 | 65,000 | 97,000 |
| Pretax income | 156,000 | 341,000 | 546,000 | 760,000 |
| Income tax | 32,000 | 67,000 | 104,000 | 143,000 |
| Net income | 124,000 | 274,000 | 442,000 | 617,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,805,000 | 13,954,000 | 14,123,000 | 14,113,000 |
| Total capital | 14,358,000 | 14,487,000 | 14,617,000 | 14,636,000 |
| Risk-weighted assets | 70,755,000 | 68,815,000 | 67,821,000 | 68,899,000 |
Machine access — free, no API key
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