Call reports 2025
CENTRAL SAVINGS, F.S.B. — 2025
What CENTRAL SAVINGS, F.S.B. 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 | 115,433,000 | 124,604,000 | 129,934,000 | 125,679,000 |
| Total loans | 103,616,000 | 107,017,000 | 106,891,000 | 96,579,000 |
| Allowance for loan losses | 1,500,000 | 1,500,000 | 1,500,000 | 1,450,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 78,963,000 | 88,730,000 | 95,429,000 | 94,191,000 |
| Interest-bearing deposits | 75,760,000 | 84,247,000 | 90,386,000 | 90,657,000 |
| Noninterest-bearing deposits | 3,203,000 | 4,483,000 | 5,043,000 | 3,534,000 |
| Equity capital | 29,271,000 | 29,478,000 | 29,694,000 | 29,470,000 |
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 | 1,708,000 | 3,552,000 | 5,440,000 | 7,381,000 |
| Interest expense | 602,000 | 1,293,000 | 2,047,000 | 2,786,000 |
| Net interest income | 1,106,000 | 2,259,000 | 3,393,000 | 4,595,000 |
| Noninterest income | 7,000 | 15,000 | 19,000 | 24,000 |
| Noninterest expense | 856,000 | 1,733,000 | 2,555,000 | 4,085,000 |
| Provision for loan losses | 0 | 0 | 0 | -50,000 |
| Pretax income | 256,000 | 549,000 | 855,000 | 573,000 |
| Income tax | 76,000 | 162,000 | 252,000 | 195,000 |
| Net income | 180,000 | 387,000 | 603,000 | 378,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,257,000 | 28,464,000 | 28,680,000 | 28,456,000 |
| Total capital | 29,390,000 | 29,639,000 | 29,872,000 | 29,512,000 |
| Risk-weighted assets | 90,260,000 | 93,642,000 | 94,995,000 | 84,087,000 |
Machine access — free, no API key
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