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 | 686,711,000 | 721,339,000 | 744,160,000 | 743,393,000 |
| Total loans | 465,858,000 | 496,991,000 | 514,663,000 | 545,224,000 |
| Allowance for loan losses | 5,509,000 | 5,623,000 | 5,756,000 | 6,023,000 |
| Securities available for sale | 83,125,000 | 87,909,000 | 81,940,000 | 81,589,000 |
| Securities held to maturity | 4,000 | 3,000 | 3,000 | 3,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 618,523,000 | 651,000,000 | 670,033,000 | 666,469,000 |
| Interest-bearing deposits | 471,866,000 | 501,892,000 | 514,969,000 | 525,796,000 |
| Noninterest-bearing deposits | 146,657,000 | 149,108,000 | 155,064,000 | 140,673,000 |
| Equity capital | 62,547,000 | 64,764,000 | 67,685,000 | 71,372,000 |
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 | 10,564,000 | 21,900,000 | 33,779,000 | 45,918,000 |
| Interest expense | 3,619,000 | 7,410,000 | 11,413,000 | 15,483,000 |
| Net interest income | 6,945,000 | 14,490,000 | 22,366,000 | 30,435,000 |
| Noninterest income | 794,000 | 1,591,000 | 2,435,000 | 3,454,000 |
| Noninterest expense | 3,869,000 | 7,898,000 | 12,214,000 | 16,963,000 |
| Provision for loan losses | 175,000 | 397,000 | 699,000 | 1,050,000 |
| Pretax income | 3,675,000 | 7,736,000 | 11,808,000 | 15,766,000 |
| Income tax | 270,000 | 594,000 | 798,000 | 984,000 |
| Net income | 3,405,000 | 7,142,000 | 11,010,000 | 14,782,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 67,922,000 | 69,543,000 | 71,661,000 | 74,939,000 |