Call reports 2025
FIRST CENTRAL SAVINGS BANK — 2025
What FIRST CENTRAL SAVINGS 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 | 983,613,000 | 986,710,000 | 992,771,000 | 970,149,000 |
| Total loans | 884,186,000 | 875,362,000 | 873,363,000 | 847,072,000 |
| Allowance for loan losses | 9,144,000 | 9,191,000 | 9,369,000 | 7,207,000 |
| Securities available for sale | 30,085,000 | 29,415,000 | 29,371,000 | 28,962,000 |
| Securities held to maturity | 1,000,000 | 3,000,000 | 3,000,000 | 3,000,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 856,740,000 | 858,955,000 | 860,597,000 | 836,686,000 |
| Interest-bearing deposits | 711,270,000 | 722,047,000 | 721,775,000 | 691,413,000 |
| Noninterest-bearing deposits | 145,470,000 | 136,908,000 | 138,822,000 | 145,273,000 |
| Equity capital | 89,856,000 | 91,462,000 | 94,778,000 | 94,955,000 |
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 | 14,279,000 | 28,996,000 | 43,935,000 | 58,409,000 |
| Interest expense | 6,970,000 | 13,769,000 | 20,657,000 | 27,173,000 |
| Net interest income | 7,309,000 | 15,227,000 | 23,278,000 | 31,236,000 |
| Noninterest income | 2,013,000 | 4,306,000 | 6,787,000 | 10,172,000 |
| Noninterest expense | 6,982,000 | 13,909,000 | 20,710,000 | 27,731,000 |
| Provision for loan losses | 265,000 | 1,452,000 | 1,630,000 | 2,666,000 |
| Pretax income | 2,247,000 | 4,228,000 | 7,762,000 | 11,064,000 |
| Income tax | 459,000 | 863,000 | 1,596,000 | 2,279,000 |
| Net income | 1,788,000 | 3,365,000 | 6,166,000 | 8,785,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 93,664,000 | 95,241,000 | 98,042,000 | 97,999,000 |
| Total capital | 102,423,000 | 103,844,000 | 106,725,000 | 105,612,000 |
| Risk-weighted assets | 700,015,000 | 687,279,000 | 693,520,000 | 678,670,000 |