Call reports 2026
KALAMAZOO COUNTY STATE BANK — 2026
What KALAMAZOO COUNTY STATE BANK reported to the FFIEC in 2026, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Total assets | 120,866,000 | 118,441,000 |
| Total loans | 59,147,000 | 61,251,000 |
| Allowance for loan losses | 502,000 | 514,000 |
| Securities available for sale | 43,961,000 | 40,357,000 |
| Securities held to maturity | 4,862,000 | 4,359,000 |
| Trading assets | 0 | 0 |
| Total deposits | 108,038,000 | 105,324,000 |
| Interest-bearing deposits | 69,029,000 | 68,586,000 |
| Noninterest-bearing deposits | 39,009,000 | 36,738,000 |
| Equity capital | 12,278,000 | 12,629,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Interest income | 1,367,000 | 2,819,000 |
| Interest expense | 178,000 | 364,000 |
| Net interest income | 1,189,000 | 2,455,000 |
| Noninterest income | 124,000 | 222,000 |
| Noninterest expense | 1,096,000 | 2,229,000 |
| Provision for loan losses | 14,000 | 29,000 |
| Pretax income | 184,000 | 393,000 |
| Income tax | 32,000 | 69,000 |
| Net income | 152,000 | 324,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Tier 1 capital | 14,264,000 | 14,437,000 |
| Total capital | 14,785,000 | 14,965,000 |
| Risk-weighted assets | 70,998,000 | 70,964,000 |