Call reports 2025
CENTRAL SAVINGS BANK — 2025
What CENTRAL SAVINGS 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 | 456,290,000 | 459,713,000 | 486,115,000 | 487,146,000 |
| Total loans | 246,637,000 | 272,432,000 | 282,185,000 | 332,524,000 |
| Allowance for loan losses | 3,172,000 | 3,617,000 | 3,909,000 | 4,105,000 |
| Securities available for sale | 122,377,000 | 111,856,000 | 102,195,000 | 99,503,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 417,650,000 | 418,674,000 | 442,747,000 | 428,075,000 |
| Interest-bearing deposits | 288,479,000 | 263,258,000 | 309,594,000 | 298,226,000 |
| Noninterest-bearing deposits | 129,171,000 | 155,416,000 | 133,153,000 | 129,849,000 |
| Equity capital | 34,927,000 | 36,726,000 | 40,080,000 | 40,870,000 |
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 | 5,953,000 | 12,348,000 | 18,860,000 | 25,822,000 |
| Interest expense | 1,380,000 | 2,533,000 | 3,717,000 | 5,038,000 |
| Net interest income | 4,573,000 | 9,815,000 | 15,143,000 | 20,784,000 |
| Noninterest income | 687,000 | 1,335,000 | 2,149,000 | 3,250,000 |
| Noninterest expense | 2,665,000 | 5,270,000 | 7,986,000 | 10,634,000 |
| Provision for loan losses | -79,000 | 398,000 | 685,000 | 1,016,000 |
| Pretax income | 2,495,000 | 4,509,000 | 7,007,000 | 10,624,000 |
| Income tax | 467,000 | 1,027,000 | 1,521,000 | 2,092,000 |
| Net income | 2,028,000 | 3,482,000 | 5,486,000 | 8,532,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 42,639,000 | 43,137,000 | 45,139,000 | 45,316,000 |
| Total capital | 46,022,000 | 46,907,000 | 49,119,000 | 49,348,000 |
| Risk-weighted assets | 287,176,000 | 318,938,000 | 320,618,000 | 322,390,000 |