Call reports 2025
GARRETT STATE BANK, THE — 2025
What GARRETT STATE BANK, THE 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 | 355,940,000 | 384,390,000 | 373,483,000 | 393,781,000 |
| Total loans | 277,681,000 | 280,974,000 | 280,705,000 | 281,167,000 |
| Allowance for loan losses | 2,754,000 | 2,800,000 | 2,836,000 | 2,836,000 |
| Securities available for sale | 47,806,000 | 51,253,000 | 60,918,000 | 68,915,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 299,074,000 | 322,357,000 | 315,768,000 | 335,126,000 |
| Interest-bearing deposits | 235,579,000 | 259,631,000 | 250,844,000 | 272,671,000 |
| Noninterest-bearing deposits | 63,495,000 | 62,726,000 | 64,924,000 | 62,455,000 |
| Equity capital | 35,916,000 | 36,153,000 | 37,664,000 | 38,607,000 |
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 | 4,468,000 | 9,193,000 | 14,188,000 | 19,222,000 |
| Interest expense | 1,739,000 | 3,584,000 | 5,532,000 | 7,471,000 |
| Net interest income | 2,729,000 | 5,609,000 | 8,656,000 | 11,751,000 |
| Noninterest income | 178,000 | 376,000 | 567,000 | 769,000 |
| Noninterest expense | 1,539,000 | 3,031,000 | 4,731,000 | 6,532,000 |
| Provision for loan losses | 37,000 | 100,000 | 126,000 | 126,000 |
| Pretax income | 1,337,000 | 2,859,000 | 4,351,000 | 5,825,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,337,000 | 2,859,000 | 4,351,000 | 5,825,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,105,000 | 37,548,000 | 38,290,000 | 38,864,000 |
| Total capital | 39,679,000 | 40,101,000 | 40,940,000 | 41,549,000 |
| Risk-weighted assets | 205,725,000 | 203,927,000 | 211,715,000 | 214,575,000 |