Call reports 2025
FIRST CENTRAL STATE BANK — 2025
What FIRST 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 | 747,521,000 | 735,847,000 | 761,523,000 | 774,911,000 |
| Total loans | 460,081,000 | 466,294,000 | 488,374,000 | 493,426,000 |
| Allowance for loan losses | 5,232,000 | 5,266,000 | 5,418,000 | 5,582,000 |
| Securities available for sale | 234,526,000 | 235,652,000 | 236,000,000 | 238,162,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 579,725,000 | 570,575,000 | 579,147,000 | 604,453,000 |
| Interest-bearing deposits | 464,121,000 | 458,304,000 | 465,716,000 | 488,361,000 |
| Noninterest-bearing deposits | 115,604,000 | 112,271,000 | 113,431,000 | 116,092,000 |
| Equity capital | 84,868,000 | 87,594,000 | 92,876,000 | 95,689,000 |
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 | 8,609,000 | 17,612,000 | 27,045,000 | 36,689,000 |
| Interest expense | 3,333,000 | 6,705,000 | 10,106,000 | 13,517,000 |
| Net interest income | 5,276,000 | 10,907,000 | 16,939,000 | 23,172,000 |
| Noninterest income | 1,033,000 | 2,038,000 | 3,135,000 | 4,332,000 |
| Noninterest expense | 3,704,000 | 7,504,000 | 11,397,000 | 15,490,000 |
| Provision for loan losses | 60,000 | 120,000 | 283,000 | 498,000 |
| Pretax income | 2,542,000 | 5,320,000 | 8,385,000 | 11,510,000 |
| Income tax | 509,000 | 1,076,000 | 1,702,000 | 2,274,000 |
| Net income | 2,033,000 | 4,244,000 | 6,683,000 | 9,236,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 95,402,000 | 96,622,000 | 99,060,000 | 100,621,000 |