Call reports 2025
KARNES COUNTY NATIONAL BANK OF KARNES CITY, THE — 2025
What KARNES COUNTY NATIONAL BANK OF KARNES CITY, 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 | 501,129,000 | 500,511,000 | 521,700,000 | 549,490,000 |
| Total loans | 218,433,000 | 224,974,000 | 236,188,000 | 228,158,000 |
| Allowance for loan losses | 3,402,000 | 3,809,000 | 3,888,000 | 3,115,000 |
| Securities available for sale | 210,473,000 | 202,357,000 | 207,527,000 | 236,647,000 |
| Securities held to maturity | 7,007,000 | 6,997,000 | 4,642,000 | 4,633,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 454,481,000 | 452,782,000 | 469,491,000 | 497,612,000 |
| Interest-bearing deposits | 298,420,000 | 304,451,000 | 321,257,000 | 344,174,000 |
| Noninterest-bearing deposits | 156,061,000 | 148,331,000 | 148,234,000 | 153,438,000 |
| Equity capital | 44,940,000 | 46,129,000 | 50,243,000 | 50,508,000 |
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 | 5,527,000 | 11,219,000 | 17,005,000 | 23,045,000 |
| Interest expense | 1,546,000 | 3,188,000 | 4,927,000 | 6,831,000 |
| Net interest income | 3,981,000 | 8,031,000 | 12,078,000 | 16,214,000 |
| Noninterest income | 212,000 | 435,000 | 616,000 | 798,000 |
| Noninterest expense | 2,854,000 | 5,718,000 | 8,723,000 | 12,695,000 |
| Provision for loan losses | 735,000 | 1,135,000 | 1,215,000 | 1,935,000 |
| Pretax income | 604,000 | 1,593,000 | 2,736,000 | 2,362,000 |
| Income tax | 76,000 | 222,000 | 495,000 | 294,000 |
| Net income | 528,000 | 1,371,000 | 2,241,000 | 2,068,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 61,398,000 | 62,123,000 | 62,991,000 | 62,459,000 |
| Total capital | 64,967,000 | 65,781,000 | 66,708,000 | 65,741,000 |
| Risk-weighted assets | 293,582,000 | 292,373,000 | 297,071,000 | 300,616,000 |