Call reports 2025
CENTRAL STATE BANK — 2025
What CENTRAL STATE 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 | 551,738,000 | 542,562,000 | 548,104,000 | 568,581,000 |
| Total loans | 440,017,000 | 423,263,000 | 431,308,000 | 448,838,000 |
| Allowance for loan losses | 4,766,000 | 4,756,000 | 4,763,000 | 4,769,000 |
| Securities available for sale | 88,012,000 | 90,864,000 | 89,823,000 | 99,045,000 |
| Securities held to maturity | 2,000,000 | 2,000,000 | 2,000,000 | 2,000,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 464,483,000 | 453,669,000 | 458,577,000 | 477,577,000 |
| Interest-bearing deposits | 441,217,000 | 434,053,000 | 437,562,000 | 452,327,000 |
| Noninterest-bearing deposits | 23,266,000 | 19,616,000 | 21,015,000 | 25,250,000 |
| Equity capital | 50,547,000 | 50,744,000 | 52,889,000 | 54,137,000 |
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 | 7,207,000 | 14,458,000 | 21,783,000 | 29,473,000 |
| Interest expense | 4,707,000 | 9,323,000 | 13,926,000 | 18,574,000 |
| Net interest income | 2,500,000 | 5,135,000 | 7,857,000 | 10,899,000 |
| Noninterest income | 43,000 | 88,000 | 126,000 | 172,000 |
| Noninterest expense | 1,775,000 | 3,586,000 | 5,434,000 | 7,152,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 772,000 | 1,652,000 | 2,593,000 | 3,955,000 |
| Income tax | 32,000 | 70,000 | 108,000 | 194,000 |
| Net income | 740,000 | 1,582,000 | 2,485,000 | 3,761,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 56,577,000 | 56,528,000 | 56,960,000 | 58,050,000 |
| Total capital | — | 61,285,000 | — | 62,819,000 |
| Risk-weighted assets | — | 493,333,000 | — | 521,216,000 |