Call reports 2025
KODABANK — 2025
What KODABANK 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 | 524,745,000 | 517,076,000 | 510,095,000 | 533,700,000 |
| Total loans | 380,412,000 | 410,171,000 | 412,694,000 | 430,396,000 |
| Allowance for loan losses | 4,365,000 | 4,413,000 | 4,475,000 | 4,836,000 |
| Securities available for sale | 46,357,000 | 46,285,000 | 45,688,000 | 46,990,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 454,538,000 | 444,545,000 | 436,146,000 | 460,899,000 |
| Interest-bearing deposits | 364,884,000 | 364,999,000 | 360,203,000 | 371,311,000 |
| Noninterest-bearing deposits | 89,654,000 | 79,546,000 | 75,943,000 | 89,588,000 |
| Equity capital | 50,921,000 | 53,043,000 | 54,184,000 | 53,191,000 |
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 | 6,770,000 | 14,329,000 | 21,748,000 | 29,391,000 |
| Interest expense | 2,821,000 | 5,765,000 | 8,584,000 | 11,402,000 |
| Net interest income | 3,949,000 | 8,564,000 | 13,164,000 | 17,989,000 |
| Noninterest income | 210,000 | 392,000 | 607,000 | 824,000 |
| Noninterest expense | 2,510,000 | 5,117,000 | 7,763,000 | 10,675,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 540,000 |
| Pretax income | 1,577,000 | 3,717,000 | 5,790,000 | 7,560,000 |
| Income tax | 1,000 | 1,000 | 1,000 | 1,000 |
| Net income | 1,576,000 | 3,716,000 | 5,789,000 | 7,559,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 52,485,000 | 54,207,000 | 54,863,000 | 53,641,000 |