Call reports 2015
GUTHRIE COUNTY STATE BANK — 2015
What GUTHRIE COUNTY STATE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 117,432,000 | 113,444,000 | 116,091,000 | 116,906,000 |
| Total loans | 76,140,000 | 80,142,000 | 79,511,000 | 79,025,000 |
| Allowance for loan losses | 971,000 | 1,065,000 | 1,052,000 | 1,069,000 |
| Securities available for sale | 24,563,000 | 23,246,000 | 23,461,000 | 23,116,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 96,444,000 | 91,714,000 | 91,631,000 | 94,538,000 |
| Interest-bearing deposits | 78,496,000 | 75,046,000 | 74,738,000 | 74,795,000 |
| Noninterest-bearing deposits | 17,948,000 | 16,668,000 | 16,893,000 | 19,743,000 |
| Equity capital | 11,852,000 | 11,702,000 | 12,204,000 | 12,371,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,092,000 | 2,242,000 | 3,387,000 | 4,518,000 |
| Interest expense | 141,000 | 279,000 | 393,000 | 520,000 |
| Net interest income | 951,000 | 1,963,000 | 2,994,000 | 3,998,000 |
| Noninterest income | 177,000 | 534,000 | 918,000 | 1,247,000 |
| Noninterest expense | 880,000 | 1,868,000 | 2,896,000 | 3,795,000 |
| Provision for loan losses | 0 | 103,000 | 103,000 | 119,000 |
| Pretax income | 276,000 | 554,000 | 941,000 | 1,362,000 |
| Income tax | 12,000 | 24,000 | 36,000 | 62,000 |
| Net income | 264,000 | 530,000 | 905,000 | 1,300,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,301,000 | 11,441,000 | 11,691,000 | 11,825,000 |
| Total capital | 12,272,000 | 12,458,000 | 12,708,000 | 12,827,000 |
| Risk-weighted assets | 83,391,000 | 81,278,000 | 81,328,000 | 80,123,000 |