Call reports 2025
KLEBERG BANK, N.A. — 2025
What KLEBERG BANK, N.A. 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 | 718,255,000 | 717,064,000 | 722,724,000 | 734,960,000 |
| Total loans | 483,214,000 | 488,393,000 | 491,431,000 | 498,488,000 |
| Allowance for loan losses | 5,898,000 | 6,055,000 | 6,131,000 | 6,081,000 |
| Securities available for sale | 146,869,000 | 142,869,000 | 140,797,000 | 130,727,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 631,459,000 | 626,822,000 | 631,664,000 | 657,924,000 |
| Interest-bearing deposits | 449,931,000 | 448,562,000 | 448,746,000 | 489,670,000 |
| Noninterest-bearing deposits | 181,528,000 | 178,260,000 | 182,918,000 | 168,254,000 |
| Equity capital | 63,621,000 | 62,000,000 | 67,276,000 | 69,115,000 |
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 | 8,579,000 | 17,415,000 | 26,373,000 | 35,569,000 |
| Interest expense | 2,106,000 | 4,256,000 | 6,380,000 | 8,453,000 |
| Net interest income | 6,473,000 | 13,159,000 | 19,993,000 | 27,116,000 |
| Noninterest income | 1,266,000 | 2,568,000 | 3,908,000 | 5,352,000 |
| Noninterest expense | 5,208,000 | 10,416,000 | 15,574,000 | 21,141,000 |
| Provision for loan losses | 240,000 | 450,000 | 630,000 | 674,000 |
| Pretax income | 2,241,000 | 4,791,000 | 7,539,000 | 10,008,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 2,241,000 | 4,791,000 | 7,539,000 | 10,008,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 68,342,000 | 67,181,000 | 68,528,000 | 68,973,000 |
| Total capital | 74,567,000 | 73,583,000 | 74,967,000 | 75,380,000 |
| Risk-weighted assets | 520,544,000 | 518,198,000 | 519,031,000 | 525,423,000 |