Call reports 2025
STATE CENTRAL BANK — 2025
What STATE CENTRAL 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 | 60,346,000 | 56,569,000 | 60,611,000 | 60,842,000 |
| Total loans | 23,129,000 | 26,322,000 | 29,340,000 | 33,116,000 |
| Allowance for loan losses | 805,000 | 782,000 | 764,000 | 721,000 |
| Securities available for sale | 18,370,000 | 18,566,000 | 18,837,000 | 18,856,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 51,829,000 | 47,567,000 | 50,238,000 | 50,331,000 |
| Interest-bearing deposits | 43,031,000 | 38,255,000 | 41,608,000 | 40,785,000 |
| Noninterest-bearing deposits | 8,798,000 | 9,312,000 | 8,630,000 | 9,546,000 |
| Equity capital | 8,442,000 | 8,931,000 | 10,265,000 | 10,383,000 |
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 | 853,000 | 1,857,000 | 3,651,000 | 4,637,000 |
| Interest expense | 199,000 | 464,000 | 738,000 | 1,025,000 |
| Net interest income | 654,000 | 1,393,000 | 2,913,000 | 3,612,000 |
| Noninterest income | 109,000 | 229,000 | 378,000 | 503,000 |
| Noninterest expense | 536,000 | 1,079,000 | 1,662,000 | 2,361,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 169,000 | 485,000 | 1,571,000 | 1,696,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 169,000 | 485,000 | 1,571,000 | 1,696,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,928,000 | 8,244,000 | 9,330,000 | 9,455,000 |