Call reports 2025
CENTRAL BANK — 2025
What 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 | 750,697,000 | 789,438,000 | 849,672,000 | 877,796,000 |
| Total loans | 640,501,000 | 688,786,000 | 712,641,000 | 762,230,000 |
| Allowance for loan losses | 9,080,000 | 9,782,000 | 10,264,000 | 11,066,000 |
| Securities available for sale | 47,641,000 | 49,541,000 | 49,193,000 | 48,595,000 |
| Securities held to maturity | 0 | 500,000 | 500,000 | 500,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 615,358,000 | 634,413,000 | 684,367,000 | 696,270,000 |
| Interest-bearing deposits | 541,893,000 | 566,166,000 | 610,661,000 | 627,366,000 |
| Noninterest-bearing deposits | 73,465,000 | 68,247,000 | 73,706,000 | 68,904,000 |
| Equity capital | 74,549,000 | 77,943,000 | 81,409,000 | 82,824,000 |
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 | 12,616,000 | 26,305,000 | 41,035,000 | 54,437,000 |
| Interest expense | 5,993,000 | 12,686,000 | 19,959,000 | 27,618,000 |
| Net interest income | 6,623,000 | 13,619,000 | 21,076,000 | 26,819,000 |
| Noninterest income | 713,000 | 1,461,000 | 2,052,000 | 2,653,000 |
| Noninterest expense | 1,836,000 | 4,120,000 | 6,451,000 | 9,011,000 |
| Provision for loan losses | 778,000 | 1,500,000 | 2,545,000 | 3,562,000 |
| Pretax income | 4,860,000 | 9,595,000 | 14,313,000 | 16,896,000 |
| Income tax | 1,409,000 | 2,811,000 | 4,286,000 | 5,715,000 |
| Net income | 3,451,000 | 6,784,000 | 10,027,000 | 11,181,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 76,122,000 | 79,454,000 | 82,697,000 | 83,852,000 |
| Total capital | 84,724,000 | 88,579,000 | 92,149,000 | 94,069,000 |
| Risk-weighted assets | 687,013,000 | 728,653,000 | 754,690,000 | 815,672,000 |