Call reports 2016
GUTHRIE COUNTY STATE BANK — 2016
What GUTHRIE COUNTY STATE BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 118,653,000 | 122,334,000 | 120,496,000 | 120,974,000 |
| Total loans | 79,481,000 | 80,435,000 | 78,581,000 | 80,862,000 |
| Allowance for loan losses | 1,105,000 | 1,147,000 | 1,135,000 | 1,723,000 |
| Securities available for sale | 24,649,000 | 26,379,000 | 26,774,000 | 26,450,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 94,432,000 | 99,051,000 | 95,286,000 | 97,794,000 |
| Interest-bearing deposits | 75,549,000 | 79,880,000 | 76,274,000 | 74,027,000 |
| Noninterest-bearing deposits | 18,883,000 | 19,171,000 | 19,012,000 | 23,767,000 |
| Equity capital | 12,579,000 | 13,265,000 | 13,129,000 | 11,745,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,128,000 | 2,298,000 | 3,455,000 | 4,616,000 |
| Interest expense | 122,000 | 263,000 | 402,000 | 539,000 |
| Net interest income | 1,006,000 | 2,035,000 | 3,053,000 | 4,077,000 |
| Noninterest income | 242,000 | 654,000 | 1,072,000 | 1,470,000 |
| Noninterest expense | 930,000 | 2,008,000 | 3,198,000 | 4,301,000 |
| Provision for loan losses | 31,000 | 71,000 | 112,000 | 822,000 |
| Pretax income | 287,000 | 610,000 | 882,000 | 491,000 |
| Income tax | 16,000 | 32,000 | 49,000 | 27,000 |
| Net income | 271,000 | 578,000 | 833,000 | 464,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,944,000 | 12,140,000 | 12,282,000 | 11,876,000 |
| Total capital | 13,043,000 | 13,250,000 | 13,366,000 | 13,005,000 |
| Risk-weighted assets | 87,936,000 | 88,765,000 | 86,678,000 | 89,743,000 |