Call reports 2025
CITIZENS NATIONAL BANK AT BROWNWOOD — 2025
What CITIZENS NATIONAL BANK AT BROWNWOOD 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 | 287,974,000 | 290,827,000 | 297,793,000 | 306,138,000 |
| Total loans | 107,623,000 | 112,699,000 | 109,771,000 | 102,887,000 |
| Allowance for loan losses | 1,894,000 | 1,861,000 | 1,875,000 | 1,902,000 |
| Securities available for sale | 96,172,000 | 91,802,000 | 110,781,000 | 120,175,000 |
| Securities held to maturity | 19,694,000 | 19,650,000 | 17,977,000 | 17,944,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 260,106,000 | 261,418,000 | 266,901,000 | 275,139,000 |
| Interest-bearing deposits | 170,099,000 | 169,940,000 | 176,326,000 | 184,168,000 |
| Noninterest-bearing deposits | 90,007,000 | 91,478,000 | 90,575,000 | 90,971,000 |
| Equity capital | 25,934,000 | 27,317,000 | 28,764,000 | 29,080,000 |
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 | 2,918,000 | 5,873,000 | 8,999,000 | 12,192,000 |
| Interest expense | 920,000 | 1,783,000 | 2,678,000 | 3,571,000 |
| Net interest income | 1,998,000 | 4,090,000 | 6,321,000 | 8,621,000 |
| Noninterest income | 676,000 | 1,470,000 | 2,285,000 | 2,624,000 |
| Noninterest expense | 1,634,000 | 3,310,000 | 5,022,000 | 6,793,000 |
| Provision for loan losses | 24,000 | 48,000 | 72,000 | 96,000 |
| Pretax income | 1,016,000 | 2,202,000 | 3,512,000 | 4,356,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,016,000 | 2,202,000 | 3,512,000 | 4,356,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,066,000 | 30,601,000 | 30,904,000 | 30,646,000 |