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 | 181,101,000 | 179,507,000 | 176,082,000 | 177,236,000 |
| Total loans | 132,389,000 | 132,785,000 | 126,834,000 | 120,817,000 |
| Allowance for loan losses | 1,540,000 | 1,494,000 | 2,235,000 | 2,099,000 |
| Securities available for sale | 13,309,000 | 13,883,000 | 14,680,000 | 15,245,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 151,252,000 | 149,450,000 | 146,212,000 | 146,981,000 |
| Interest-bearing deposits | 128,661,000 | 127,915,000 | 126,104,000 | 125,932,000 |
| Noninterest-bearing deposits | 22,591,000 | 21,535,000 | 20,108,000 | 21,049,000 |
| Equity capital | 29,229,000 | 29,474,000 | 29,140,000 | 29,693,000 |
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 | 2,585,000 | 5,286,000 | 8,006,000 | 10,637,000 |
| Interest expense | 947,000 | 1,859,000 | 2,773,000 | 3,654,000 |
| Net interest income | 1,638,000 | 3,427,000 | 5,233,000 | 6,983,000 |
| Noninterest income | 282,000 | 593,000 | 868,000 | 1,179,000 |
| Noninterest expense | 1,025,000 | 2,159,000 | 3,349,000 | 4,500,000 |
| Provision for loan losses | -6,000 | -2,000 | 1,128,000 | 1,124,000 |
| Pretax income | 895,000 | 1,861,000 | 1,623,000 | 2,533,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 895,000 | 1,861,000 | 1,623,000 | 2,533,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,062,000 | 30,299,000 | 29,672,000 | 30,194,000 |