Call reports 2025
COMMUNITY BANK & TRUST, WACO, TEXAS — 2025
What COMMUNITY BANK & TRUST, WACO, 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 | 639,021,000 | 628,785,000 | 619,083,000 | 637,595,000 |
| Total loans | 381,252,000 | 391,643,000 | 395,972,000 | 390,961,000 |
| Allowance for loan losses | 4,856,000 | 5,272,000 | 5,552,000 | 5,711,000 |
| Securities available for sale | 212,246,000 | 194,270,000 | 187,502,000 | 195,967,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 565,035,000 | 556,912,000 | 538,331,000 | 555,644,000 |
| Interest-bearing deposits | 423,769,000 | 413,552,000 | 393,830,000 | 405,189,000 |
| Noninterest-bearing deposits | 141,266,000 | 143,360,000 | 144,501,000 | 150,455,000 |
| Equity capital | 71,745,000 | 69,565,000 | 77,752,000 | 80,103,000 |
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 | 7,563,000 | 15,349,000 | 23,119,000 | 30,627,000 |
| Interest expense | 2,783,000 | 5,589,000 | 8,153,000 | 10,629,000 |
| Net interest income | 4,780,000 | 9,760,000 | 14,966,000 | 19,998,000 |
| Noninterest income | 2,003,000 | 3,995,000 | 5,938,000 | 8,095,000 |
| Noninterest expense | 4,749,000 | 9,451,000 | 14,300,000 | 19,512,000 |
| Provision for loan losses | 525,000 | 870,000 | 1,120,000 | 1,270,000 |
| Pretax income | 1,509,000 | 3,254,000 | 5,025,000 | 6,852,000 |
| Income tax | 212,000 | 377,000 | 619,000 | 921,000 |
| Net income | 1,297,000 | 2,877,000 | 4,406,000 | 5,931,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 97,654,000 | 99,235,000 | 100,763,000 | 101,813,000 |
| Total capital | 102,777,000 | 104,536,000 | 105,943,000 | 107,056,000 |
| Risk-weighted assets | 409,864,000 | 423,640,000 | 413,521,000 | 418,442,000 |