Call reports 2025
GUTHRIE COUNTY STATE BANK — 2025
What GUTHRIE COUNTY STATE BANK 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 | 280,281,000 | 274,723,000 | 284,617,000 | 279,288,000 |
| Total loans | 143,672,000 | 155,059,000 | 163,064,000 | 160,843,000 |
| Allowance for loan losses | 1,777,000 | 1,824,000 | 1,936,000 | 2,022,000 |
| Securities available for sale | 103,547,000 | 102,432,000 | 103,216,000 | 100,960,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 216,327,000 | 206,037,000 | 202,961,000 | 202,666,000 |
| Interest-bearing deposits | 181,883,000 | 171,721,000 | 170,346,000 | 164,219,000 |
| Noninterest-bearing deposits | 34,444,000 | 34,316,000 | 32,615,000 | 38,447,000 |
| Equity capital | 22,991,000 | 22,894,000 | 25,423,000 | 26,800,000 |
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 | 3,417,000 | 7,032,000 | 10,833,000 | 14,635,000 |
| Interest expense | 1,764,000 | 3,472,000 | 5,285,000 | 7,040,000 |
| Net interest income | 1,653,000 | 3,560,000 | 5,548,000 | 7,595,000 |
| Noninterest income | 190,000 | 437,000 | 647,000 | 895,000 |
| Noninterest expense | 1,335,000 | 2,694,000 | 4,098,000 | 5,591,000 |
| Provision for loan losses | 0 | 43,000 | 152,000 | 250,000 |
| Pretax income | 526,000 | 1,299,000 | 1,997,000 | 2,694,000 |
| Income tax | 21,000 | 48,000 | 75,000 | 120,000 |
| Net income | 505,000 | 1,251,000 | 1,922,000 | 2,574,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,704,000 | 33,119,000 | 33,723,000 | 34,045,000 |
| Total capital | 34,518,000 | 34,997,000 | 35,700,000 | 36,104,000 |
| Risk-weighted assets | 187,502,000 | 191,479,000 | 196,726,000 | 200,743,000 |