Call reports 2014
GUTHRIE COUNTY STATE BANK — 2014
What GUTHRIE COUNTY STATE BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 115,871,000 | 113,413,000 | 113,102,000 | 115,914,000 |
| Total loans | 70,193,000 | 72,605,000 | 72,820,000 | 75,701,000 |
| Allowance for loan losses | 949,000 | 943,000 | 988,000 | 967,000 |
| Securities available for sale | 26,359,000 | 25,767,000 | 25,642,000 | 24,768,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 94,677,000 | 92,700,000 | 91,020,000 | 94,440,000 |
| Interest-bearing deposits | 76,612,000 | 73,049,000 | 74,640,000 | 73,716,000 |
| Noninterest-bearing deposits | 18,065,000 | 19,651,000 | 16,380,000 | 20,724,000 |
| Equity capital | 11,089,000 | 11,431,000 | 11,548,000 | 11,724,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,072,000 | 2,156,000 | 3,252,000 | 4,361,000 |
| Interest expense | 155,000 | 301,000 | 447,000 | 594,000 |
| Net interest income | 917,000 | 1,855,000 | 2,805,000 | 3,767,000 |
| Noninterest income | 183,000 | 505,000 | 776,000 | 1,192,000 |
| Noninterest expense | 863,000 | 1,815,000 | 2,736,000 | 3,698,000 |
| Provision for loan losses | 25,000 | 25,000 | 67,000 | 119,000 |
| Pretax income | 212,000 | 520,000 | 782,000 | 1,177,000 |
| Income tax | 12,000 | 24,000 | 36,000 | 48,000 |
| Net income | 200,000 | 496,000 | 746,000 | 1,129,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,622,000 | 10,799,000 | 10,933,000 | 11,198,000 |
| Total capital | 11,531,000 | 11,725,000 | 11,864,000 | 12,156,000 |
| Risk-weighted assets | 72,719,000 | 74,051,000 | 74,415,000 | 76,614,000 |