Call reports 2025
GARFIELD COUNTY BANK — 2025
What GARFIELD COUNTY 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 | 91,291,000 | 94,146,000 | 93,699,000 | 104,404,000 |
| Total loans | 50,109,000 | 50,374,000 | 51,853,000 | 48,259,000 |
| Allowance for loan losses | 1,016,000 | 1,017,000 | 714,000 | 715,000 |
| Securities available for sale | 12,724,000 | 11,127,000 | 12,689,000 | 13,417,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 75,333,000 | 77,906,000 | 76,608,000 | 87,469,000 |
| Interest-bearing deposits | 59,133,000 | 60,534,000 | 57,830,000 | 67,678,000 |
| Noninterest-bearing deposits | 16,200,000 | 17,372,000 | 18,778,000 | 19,791,000 |
| Equity capital | 14,815,000 | 15,079,000 | 15,460,000 | 15,871,000 |
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 | 1,213,000 | 2,493,000 | 3,822,000 | 5,152,000 |
| Interest expense | 354,000 | 715,000 | 1,077,000 | 1,436,000 |
| Net interest income | 859,000 | 1,778,000 | 2,745,000 | 3,716,000 |
| Noninterest income | 59,000 | 111,000 | 163,000 | 222,000 |
| Noninterest expense | 512,000 | 1,199,000 | 1,779,000 | 2,304,000 |
| Provision for loan losses | 0 | 0 | 0 | 40,000 |
| Pretax income | 420,000 | 705,000 | 1,137,000 | 1,605,000 |
| Income tax | 107,000 | 179,000 | 289,000 | 385,000 |
| Net income | 313,000 | 526,000 | 848,000 | 1,220,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,141,000 | 15,329,000 | 15,651,000 | 15,998,000 |
Machine access — free, no API key
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