Call reports 2025
CENBANK — 2025
What CENBANK 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 | 76,519,000 | 81,364,000 | 78,037,000 | 87,184,000 |
| Total loans | 45,788,000 | 47,449,000 | 48,132,000 | 47,304,000 |
| Allowance for loan losses | 538,000 | 518,000 | 507,000 | 504,000 |
| Securities available for sale | 12,999,000 | 15,947,000 | 18,003,000 | 23,099,000 |
| Securities held to maturity | 13,083,000 | 10,209,000 | 8,199,000 | 10,691,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 69,981,000 | 74,963,000 | 71,154,000 | 80,576,000 |
| Interest-bearing deposits | 53,625,000 | 55,959,000 | 53,627,000 | 56,708,000 |
| Noninterest-bearing deposits | 16,356,000 | 19,004,000 | 17,527,000 | 23,868,000 |
| Equity capital | 6,089,000 | 6,020,000 | 6,171,000 | 6,216,000 |
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 | 959,000 | 1,948,000 | 2,977,000 | 4,062,000 |
| Interest expense | 212,000 | 425,000 | 639,000 | 856,000 |
| Net interest income | 747,000 | 1,523,000 | 2,338,000 | 3,206,000 |
| Noninterest income | 59,000 | 109,000 | 177,000 | 224,000 |
| Noninterest expense | 558,000 | 1,138,000 | 1,706,000 | 2,499,000 |
| Provision for loan losses | 0 | 10,000 | 10,000 | 10,000 |
| Pretax income | 252,000 | 498,000 | 813,000 | 935,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 252,000 | 498,000 | 813,000 | 935,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,100,000 | 6,007,000 | 6,129,000 | 6,151,000 |
| Total capital | 6,662,000 | 6,528,000 | 6,639,000 | 6,660,000 |
| Risk-weighted assets | 50,066,000 | 51,596,000 | 52,030,000 | 52,876,000 |