Call reports 2025
FIRST NATIONAL BANK OF CENTRAL TEXAS — 2025
What FIRST NATIONAL BANK OF CENTRAL TEXAS 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 | 1,541,869,000 | 1,572,338,000 | 1,608,944,000 | 1,605,712,000 |
| Total loans | 1,220,252,000 | 1,219,430,000 | 1,235,102,000 | 1,304,938,000 |
| Allowance for loan losses | 15,185,000 | 15,109,000 | 15,165,000 | 16,179,000 |
| Securities available for sale | 94,739,000 | 91,478,000 | 87,950,000 | 84,444,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,339,532,000 | 1,366,835,000 | 1,395,779,000 | 1,396,288,000 |
| Interest-bearing deposits | 984,480,000 | 1,013,234,000 | 1,032,970,000 | 1,040,797,000 |
| Noninterest-bearing deposits | 355,052,000 | 353,601,000 | 362,809,000 | 355,491,000 |
| Equity capital | 182,375,000 | 181,773,000 | 188,138,000 | 189,452,000 |
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 | 21,468,000 | 44,408,000 | 67,665,000 | 91,723,000 |
| Interest expense | 6,503,000 | 13,078,000 | 19,700,000 | 26,202,000 |
| Net interest income | 14,965,000 | 31,330,000 | 47,965,000 | 65,521,000 |
| Noninterest income | 1,778,000 | 3,442,000 | 5,182,000 | 7,047,000 |
| Noninterest expense | 7,588,000 | 15,280,000 | 23,123,000 | 30,978,000 |
| Provision for loan losses | 162,000 | 67,000 | 115,000 | 1,040,000 |
| Pretax income | 8,930,000 | 19,017,000 | 29,374,000 | 40,116,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 8,930,000 | 19,017,000 | 29,374,000 | 40,116,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 190,815,000 | 189,782,000 | 193,942,000 | 194,685,000 |
| Total capital | 205,688,000 | 204,709,000 | 209,134,000 | 210,644,000 |
| Risk-weighted assets | 1,188,091,000 | 1,192,208,000 | 1,213,489,000 | 1,274,682,000 |