Call reports 2025
COWBOY STATE BANK — 2025
What COWBOY STATE 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 | 51,078,000 | 51,373,000 | 52,997,000 | 52,034,000 |
| Total loans | 33,610,000 | 34,347,000 | 35,032,000 | 34,258,000 |
| Allowance for loan losses | 752,000 | 750,000 | 746,000 | 746,000 |
| Securities available for sale | 5,362,000 | 5,290,000 | 4,181,000 | 4,441,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 45,247,000 | 45,379,000 | 47,118,000 | 45,783,000 |
| Interest-bearing deposits | 36,879,000 | 35,877,000 | 35,000,000 | 36,536,000 |
| Noninterest-bearing deposits | 8,368,000 | 9,502,000 | 12,118,000 | 9,247,000 |
| Equity capital | 5,777,000 | 5,948,000 | 5,812,000 | 6,202,000 |
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 | 781,000 | 1,605,000 | 2,415,000 | 3,272,000 |
| Interest expense | 98,000 | 198,000 | 292,000 | 388,000 |
| Net interest income | 683,000 | 1,407,000 | 2,123,000 | 2,884,000 |
| Noninterest income | 21,000 | 44,000 | 68,000 | 89,000 |
| Noninterest expense | 529,000 | 1,108,000 | 1,730,000 | 2,495,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 174,000 | 339,000 | 459,000 | 476,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 174,000 | 339,000 | 459,000 | 476,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,839,000 | 6,003,000 | 6,124,000 | 6,141,000 |
| Total capital | 6,304,000 | 6,488,000 | 6,630,000 | 6,677,000 |
| Risk-weighted assets | 36,948,000 | 38,558,000 | 40,206,000 | 42,701,000 |