Call reports 2025
PAYNE COUNTY BANK, THE — 2025
What PAYNE COUNTY 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 | 275,153,000 | 284,756,000 | 289,088,000 | 295,234,000 |
| Total loans | 196,030,000 | 202,014,000 | 216,820,000 | 220,859,000 |
| Allowance for loan losses | 1,233,000 | 1,534,000 | 1,618,000 | 1,638,000 |
| Securities available for sale | 47,542,000 | 47,545,000 | 47,174,000 | 46,429,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 227,512,000 | 235,424,000 | 233,879,000 | 240,850,000 |
| Interest-bearing deposits | 170,749,000 | 178,252,000 | 179,748,000 | 185,004,000 |
| Noninterest-bearing deposits | 56,763,000 | 57,172,000 | 54,131,000 | 55,846,000 |
| Equity capital | 33,689,000 | 35,248,000 | 34,994,000 | 36,301,000 |
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 | 3,966,000 | 8,167,000 | 12,492,000 | 17,010,000 |
| Interest expense | 1,400,000 | 2,809,000 | 4,244,000 | 5,748,000 |
| Net interest income | 2,566,000 | 5,358,000 | 8,248,000 | 11,262,000 |
| Noninterest income | 364,000 | 713,000 | 1,053,000 | 1,430,000 |
| Noninterest expense | 1,522,000 | 2,932,000 | 4,587,000 | 6,909,000 |
| Provision for loan losses | 98,000 | 406,000 | 516,000 | 575,000 |
| Pretax income | 1,310,000 | 2,733,000 | 4,198,000 | 5,208,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,310,000 | 2,733,000 | 4,198,000 | 5,208,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,110,000 | 41,533,000 | 40,197,000 | 41,208,000 |