Call reports 2025
FIRST CENTRAL BANK — 2025
What FIRST 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 | 140,367,000 | 142,333,000 | 141,809,000 | 144,454,000 |
| Total loans | 105,633,000 | 107,509,000 | 109,609,000 | 103,760,000 |
| Allowance for loan losses | 1,143,000 | 1,257,000 | 1,470,000 | 1,296,000 |
| Securities available for sale | 3,721,000 | 3,745,000 | 3,800,000 | 4,352,000 |
| Securities held to maturity | 10,362,000 | 10,195,000 | 10,076,000 | 9,896,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 119,288,000 | 120,783,000 | 118,316,000 | 119,096,000 |
| Interest-bearing deposits | 96,568,000 | 99,068,000 | 98,411,000 | 96,992,000 |
| Noninterest-bearing deposits | 22,720,000 | 21,715,000 | 19,905,000 | 22,104,000 |
| Equity capital | 14,731,000 | 14,867,000 | 15,338,000 | 15,747,000 |
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 | 1,980,000 | 4,063,000 | 6,458,000 | 8,743,000 |
| Interest expense | 689,000 | 1,409,000 | 2,185,000 | 2,938,000 |
| Net interest income | 1,291,000 | 2,654,000 | 4,273,000 | 5,805,000 |
| Noninterest income | 168,000 | 275,000 | 485,000 | 661,000 |
| Noninterest expense | 1,280,000 | 2,329,000 | 3,282,000 | 4,126,000 |
| Provision for loan losses | 421,000 | 642,000 | 672,000 | 672,000 |
| Pretax income | -211,000 | -10,000 | 836,000 | 1,700,000 |
| Income tax | 17,000 | -10,000 | 160,000 | 352,000 |
| Net income | -228,000 | 0 | 676,000 | 1,348,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,789,000 | 14,916,000 | 15,342,000 | 15,714,000 |
| Total capital | 15,970,000 | 16,210,000 | 16,849,000 | 17,046,000 |
| Risk-weighted assets | 122,287,000 | 120,867,000 | 126,346,000 | 117,147,000 |