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 | 460,357,000 | 453,274,000 | 451,310,000 | 441,491,000 |
| Total loans | 366,741,000 | 364,790,000 | 356,633,000 | 354,988,000 |
| Allowance for loan losses | 4,930,000 | 4,940,000 | 4,880,000 | 4,881,000 |
| Securities available for sale | 56,949,000 | 55,535,000 | 55,941,000 | 54,759,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 386,653,000 | 368,006,000 | 354,361,000 | 344,349,000 |
| Interest-bearing deposits | 329,583,000 | 265,800,000 | 297,536,000 | 285,495,000 |
| Noninterest-bearing deposits | 57,070,000 | 102,206,000 | 56,825,000 | 58,854,000 |
| Equity capital | 39,532,000 | 39,917,000 | 42,044,000 | 41,149,000 |
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 | 5,474,000 | 11,024,000 | 16,633,000 | 22,241,000 |
| Interest expense | 2,788,000 | 5,343,000 | 7,970,000 | 10,384,000 |
| Net interest income | 2,686,000 | 5,681,000 | 8,663,000 | 11,857,000 |
| Noninterest income | 162,000 | 322,000 | 493,000 | 856,000 |
| Noninterest expense | 1,828,000 | 3,715,000 | 5,640,000 | 7,562,000 |
| Provision for loan losses | 30,000 | 40,000 | 40,000 | 40,000 |
| Pretax income | 990,000 | 2,244,000 | 3,471,000 | 5,106,000 |
| Income tax | 41,000 | 82,000 | 141,000 | 199,000 |
| Net income | 949,000 | 2,162,000 | 3,330,000 | 4,907,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 42,406,000 | 42,837,000 | 43,673,000 | 42,271,000 |
| Total capital | 46,663,000 | 47,047,000 | 47,789,000 | 46,370,000 |
| Risk-weighted assets | 339,900,000 | 336,075,000 | 328,506,000 | 327,151,000 |