Call reports 2025
COWBOY BANK — 2025
What COWBOY 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 | 359,650,000 | 337,079,000 | 351,067,000 | 368,691,000 |
| Total loans | 270,099,000 | 251,194,000 | 255,058,000 | 281,792,000 |
| Allowance for loan losses | 2,505,000 | 3,501,000 | 3,644,000 | 3,232,000 |
| Securities available for sale | 34,992,000 | 34,952,000 | 32,951,000 | 32,400,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 302,633,000 | 289,141,000 | 300,482,000 | 321,043,000 |
| Interest-bearing deposits | 220,760,000 | 209,422,000 | 222,902,000 | 244,527,000 |
| Noninterest-bearing deposits | 81,873,000 | 79,719,000 | 77,580,000 | 76,516,000 |
| Equity capital | 42,579,000 | 43,444,000 | 45,951,000 | 43,688,000 |
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 | 5,260,000 | 10,417,000 | 15,416,000 | 21,046,000 |
| Interest expense | 1,576,000 | 2,954,000 | 4,244,000 | 5,755,000 |
| Net interest income | 3,684,000 | 7,463,000 | 11,172,000 | 15,291,000 |
| Noninterest income | 412,000 | 637,000 | 1,034,000 | 1,489,000 |
| Noninterest expense | 1,989,000 | 4,113,000 | 6,109,000 | 8,566,000 |
| Provision for loan losses | 0 | 1,000,000 | 1,000,000 | 501,000 |
| Pretax income | 2,109,000 | 2,991,000 | 5,102,000 | 7,720,000 |
| Income tax | 82,000 | 143,000 | 208,000 | 287,000 |
| Net income | 2,027,000 | 2,848,000 | 4,894,000 | 7,433,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,758,000 | 41,820,000 | 44,104,000 | 41,882,000 |