Call reports 2025
CINCINNATUS SAVINGS AND LOAN COMPANY, THE — 2025
What CINCINNATUS SAVINGS AND LOAN COMPANY, THE 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 | 172,630,000 | 178,836,000 | 178,836,000 | 184,388,000 |
| Total loans | 119,402,000 | 128,390,000 | 125,292,000 | 129,568,000 |
| Allowance for loan losses | 1,209,000 | 1,172,000 | 1,183,000 | 1,172,000 |
| Securities available for sale | 28,332,000 | 28,081,000 | 30,657,000 | 35,360,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 143,266,000 | 142,134,000 | 148,034,000 | 154,691,000 |
| Interest-bearing deposits | 125,046,000 | 123,474,000 | 127,132,000 | 136,134,000 |
| Noninterest-bearing deposits | 18,220,000 | 18,660,000 | 20,902,000 | 18,557,000 |
| Equity capital | 26,219,000 | 26,875,000 | 27,484,000 | 28,125,000 |
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 | 2,119,000 | 4,393,000 | 6,706,000 | 9,076,000 |
| Interest expense | 778,000 | 1,560,000 | 2,428,000 | 3,304,000 |
| Net interest income | 1,341,000 | 2,833,000 | 4,278,000 | 5,772,000 |
| Noninterest income | 79,000 | 214,000 | 367,000 | 547,000 |
| Noninterest expense | 952,000 | 1,931,000 | 2,900,000 | 4,010,000 |
| Provision for loan losses | 3,000 | -38,000 | -32,000 | -47,000 |
| Pretax income | 465,000 | 1,110,000 | 1,733,000 | 2,291,000 |
| Income tax | 79,000 | 218,000 | 351,000 | 471,000 |
| Net income | 386,000 | 892,000 | 1,382,000 | 1,820,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,112,000 | 27,607,000 | 28,135,000 | 28,563,000 |