Call reports 2025
CECIL BANK — 2025
What CECIL 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 | 225,761,000 | 222,473,000 | 220,027,000 | 218,663,000 |
| Total loans | 165,931,000 | 162,901,000 | 159,342,000 | 155,035,000 |
| Allowance for loan losses | 1,793,000 | 1,733,000 | 1,726,000 | 1,552,000 |
| Securities available for sale | 21,529,000 | 21,617,000 | 20,982,000 | 19,410,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 193,210,000 | 192,392,000 | 189,435,000 | 187,556,000 |
| Interest-bearing deposits | 163,492,000 | 159,505,000 | 157,122,000 | 154,971,000 |
| Noninterest-bearing deposits | 29,718,000 | 32,887,000 | 32,313,000 | 32,585,000 |
| Equity capital | 28,691,000 | 28,909,000 | 29,398,000 | 29,465,000 |
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 | 2,855,000 | 5,775,000 | 8,665,000 | 11,589,000 |
| Interest expense | 1,080,000 | 2,126,000 | 3,091,000 | 4,018,000 |
| Net interest income | 1,775,000 | 3,649,000 | 5,574,000 | 7,571,000 |
| Noninterest income | 132,000 | 193,000 | 310,000 | 626,000 |
| Noninterest expense | 1,534,000 | 3,145,000 | 5,050,000 | 7,227,000 |
| Provision for loan losses | 50,000 | 50,000 | 50,000 | 50,000 |
| Pretax income | 323,000 | 647,000 | 784,000 | 895,000 |
| Income tax | 89,000 | 178,000 | 216,000 | 247,000 |
| Net income | 234,000 | 469,000 | 568,000 | 648,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,381,000 | 22,694,000 | 22,833,000 | 22,781,000 |
| Total capital | 23,931,000 | 24,184,000 | 24,310,000 | 24,088,000 |
| Risk-weighted assets | 177,565,000 | 174,687,000 | 169,777,000 | 165,914,000 |
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