Call reports 2025
KCB BANK — 2025
What KCB 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 | 318,408,000 | 328,545,000 | 325,272,000 | 338,600,000 |
| Total loans | 178,449,000 | 200,154,000 | 197,568,000 | 195,582,000 |
| Allowance for loan losses | 2,832,000 | 3,027,000 | 3,407,000 | 3,460,000 |
| Securities available for sale | 105,993,000 | 103,635,000 | 101,481,000 | 103,987,000 |
| Securities held to maturity | 6,250,000 | 6,250,000 | 6,250,000 | 6,250,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 281,089,000 | 274,517,000 | 285,651,000 | 300,046,000 |
| Interest-bearing deposits | 234,466,000 | 232,596,000 | 240,914,000 | 251,651,000 |
| Noninterest-bearing deposits | 46,623,000 | 41,921,000 | 44,737,000 | 48,395,000 |
| Equity capital | 35,298,000 | 36,284,000 | 37,555,000 | 36,795,000 |
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 | 4,525,000 | 9,200,000 | 14,063,000 | 18,790,000 |
| Interest expense | 1,916,000 | 3,924,000 | 6,045,000 | 7,950,000 |
| Net interest income | 2,609,000 | 5,276,000 | 8,018,000 | 10,840,000 |
| Noninterest income | 305,000 | 646,000 | 1,024,000 | 1,456,000 |
| Noninterest expense | 1,914,000 | 3,639,000 | 5,566,000 | 7,491,000 |
| Provision for loan losses | 194,000 | 389,000 | 766,000 | 965,000 |
| Pretax income | 776,000 | 1,866,000 | 2,730,000 | 3,993,000 |
| Income tax | 19,000 | 41,000 | 70,000 | 145,000 |
| Net income | 757,000 | 1,825,000 | 2,660,000 | 3,848,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 41,202,000 | 41,847,000 | 42,259,000 | 41,194,000 |