Call reports 2025
CENLAR FSB — 2025
What CENLAR FSB 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 | 909,242,000 | 876,164,000 | 890,966,000 | 899,183,000 |
| Total loans | 242,482,000 | 230,185,000 | 265,912,000 | 271,082,000 |
| Allowance for loan losses | 673,000 | 663,000 | 775,000 | 791,000 |
| Securities available for sale | 1,394,000 | 7,995,000 | 7,956,000 | 1,275,000 |
| Securities held to maturity | 502,264,000 | 482,584,000 | 462,385,000 | 442,487,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 529,602,000 | 472,732,000 | 509,625,000 | 566,906,000 |
| Interest-bearing deposits | 0 | 0 | 0 | 0 |
| Noninterest-bearing deposits | 529,602,000 | 472,732,000 | 509,625,000 | 566,906,000 |
| Equity capital | 138,441,000 | 142,731,000 | 145,305,000 | 155,173,000 |
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 | 6,298,000 | 11,842,000 | 16,737,000 | 22,384,000 |
| Interest expense | 192,000 | 192,000 | 192,000 | 196,000 |
| Net interest income | 6,106,000 | 11,650,000 | 16,545,000 | 22,188,000 |
| Noninterest income | 115,357,000 | 229,011,000 | 345,898,000 | 460,247,000 |
| Noninterest expense | 113,155,000 | 226,004,000 | 342,214,000 | 450,073,000 |
| Provision for loan losses | -36,000 | -70,000 | 42,000 | 55,000 |
| Pretax income | 8,344,000 | 14,727,000 | 20,187,000 | 32,332,000 |
| Income tax | 2,111,000 | 3,394,000 | 4,644,000 | 7,675,000 |
| Net income | 6,233,000 | 11,333,000 | 15,543,000 | 24,657,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 138,500,000 | 142,785,000 | 145,328,000 | 155,220,000 |
| Total capital | 139,173,000 | 143,448,000 | 146,103,000 | 156,011,000 |
| Risk-weighted assets | 321,569,000 | 309,497,000 | 366,984,000 | 380,954,000 |