For the quarter ending 2025-12-31, CPBI made $14,275,000 in revenue. $1,175,000 in net income. Net profit margin of 8.23%.
| Income Statement | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 |
|---|---|---|---|---|
| Loans-including fees | 6,574,000 | 6,188,000 | 5,899,000 | - |
| Investment securities | 558,000 | 576,000 | 584,000 | - |
| Fhlb stock | 7,000 | 7,000 | 7,000 | - |
| Federal funds sold | 32,000 | 14,000 | 91,000 | - |
| Borrowings under fhlb advances | - | 35,000 | 2,000 | - |
| Total interest and dividend income | 7,171,000 | 6,785,000 | 6,581,000 | - |
| Deposits | 2,294,000 | 2,165,000 | 2,088,000 | - |
| Borrowings | 22,000 | - | - | - |
| Total interest expense | 2,316,000 | 2,200,000 | 2,090,000 | - |
| Net interest income before provision for credit losses | 4,855,000 | 4,585,000 | 4,491,000 | - |
| Provision for (reversal of) credit losses | - | 89,000 | -3,000 | - |
| Net interest income after provision for credit losses | 4,855,000 | 4,496,000 | 4,494,000 | - |
| Servicing fees on loans | 37,000 | 33,000 | 31,000 | - |
| Service charges on deposit accounts | 201,000 | 197,000 | 192,000 | - |
| Gain from real estate owned and other repossessed assets, net | - | - | 1,000 | - |
| Interchange income | 310,000 | 327,000 | 328,000 | - |
| Gain on sale of loans | 96,000 | 98,000 | 77,000 | - |
| Other non-interest income | 60,000 | 24,000 | 25,000 | - |
| Total non-interest income | 704,000 | 679,000 | 654,000 | - |
| Salaries and employee benefits | 2,243,000 | 2,194,000 | 2,103,000 | - |
| Occupancy and equipment | 420,000 | 429,000 | 318,000 | - |
| Interest income | - | - | - | 64,750 |
| Data processing | 523,000 | 514,000 | 500,000 | - |
| Total income | - | - | - | 64,750 |
| Federal deposit insurance premiums | 50,000 | 52,000 | 51,000 | - |
| Non-interest expense | - | - | - | 227,250 |
| Debit card processing | 69,000 | 70,000 | 64,000 | - |
| Total expense | - | - | - | 227,250 |
| Advertising | 110,000 | 102,000 | 91,000 | - |
| Losses before income tax benefit and equity in undistributed earnings of subsidiary | - | - | - | -162,500 |
| Other general and administrative expenses | 669,000 | 699,000 | 792,000 | - |
| Income tax benefit | - | - | - | -32,000 |
| Total non-interest expense | 4,084,000 | 4,060,000 | 3,919,000 | - |
| Losses before equity in undistributed losses earnings of subsidiary, total | - | - | - | -130,500 |
| Income before income tax expense | 1,475,000 | 1,115,000 | 1,229,000 | - |
| Equity in undistributed earnings of subsidiary | - | - | - | 1,044,000 |
| Income tax expense | 300,000 | 233,000 | 241,000 | - |
| Net income | 1,175,000 | 882,000 | 988,000 | 913,500 |
| Earnings per share, basic, total | 0.31 | 0.23 | 0.26 | 0.24 |
| Earnings per share, diluted, total | 0.31 | 0.23 | 0.26 | 0.24 |
| Weighted average number of shares outstanding, basic | 3,784,169 | 3,785,223 | 3,792,609 | 953,807 |
| Weighted average number of shares outstanding, diluted | 3,809,046 | 3,808,651 | 3,803,733 | 954,104.5 |
Central Plains Bancshares, Inc. (CPBI)
Central Plains Bancshares, Inc. (CPBI)