Call reports 2025
FIRST NATIONAL BANK TEXAS DBA FIRST CONVENIENCE BANK — 2025
What FIRST NATIONAL BANK TEXAS DBA FIRST CONVENIENCE 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 | 4,399,573,000 | 4,321,162,000 | 4,329,382,000 | 4,507,588,000 |
| Total loans | 2,079,908,000 | 2,141,930,000 | 2,193,022,000 | 2,209,179,000 |
| Allowance for loan losses | 26,202,000 | 26,353,000 | 26,949,000 | 27,796,000 |
| Securities available for sale | 1,306,974,000 | 1,429,261,000 | 1,415,570,000 | 1,421,558,000 |
| Securities held to maturity | 209,706,000 | 195,233,000 | 184,001,000 | 181,891,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 3,910,466,000 | 3,819,810,000 | 3,812,836,000 | 3,985,172,000 |
| Interest-bearing deposits | 1,520,850,000 | 1,511,849,000 | 1,558,226,000 | 1,615,648,000 |
| Noninterest-bearing deposits | 2,389,616,000 | 2,307,961,000 | 2,254,610,000 | 2,369,524,000 |
| Equity capital | 243,682,000 | 257,181,000 | 276,935,000 | 288,525,000 |
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 | 40,583,000 | 84,083,000 | 128,649,000 | 173,383,000 |
| Interest expense | 6,775,000 | 13,041,000 | 20,476,000 | 28,208,000 |
| Net interest income | 33,808,000 | 71,042,000 | 108,173,000 | 145,175,000 |
| Noninterest income | 79,365,000 | 164,048,000 | 247,661,000 | 329,798,000 |
| Noninterest expense | 97,518,000 | 200,479,000 | 303,472,000 | 404,697,000 |
| Provision for loan losses | 4,376,000 | 9,111,000 | 15,208,000 | 21,590,000 |
| Pretax income | 11,603,000 | 23,180,000 | 34,788,000 | 46,480,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 11,603,000 | 23,180,000 | 34,788,000 | 46,480,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 403,676,000 | 403,753,000 | 405,360,000 | 406,553,000 |
| Total capital | 428,773,000 | 429,618,000 | 431,490,000 | 433,502,000 |
| Risk-weighted assets | 1,980,124,000 | 2,041,424,000 | 2,061,935,000 | 2,126,807,000 |