Call reports 2025
GREAT OAKS BANK — 2025
What GREAT OAKS 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 | 381,056,000 | 395,649,000 | 408,881,000 | 399,319,000 |
| Total loans | 272,112,000 | 269,100,000 | 264,770,000 | 276,344,000 |
| Allowance for loan losses | 4,194,000 | 4,353,000 | 4,462,000 | 4,258,000 |
| Securities available for sale | 79,445,000 | 75,469,000 | 96,572,000 | 93,711,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 344,697,000 | 358,075,000 | 368,891,000 | 354,610,000 |
| Interest-bearing deposits | 240,137,000 | 245,404,000 | 261,072,000 | 267,077,000 |
| Noninterest-bearing deposits | 104,560,000 | 112,671,000 | 107,819,000 | 87,533,000 |
| Equity capital | 30,923,000 | 31,922,000 | 33,514,000 | 40,089,000 |
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 | 5,817,000 | 11,671,000 | 17,734,000 | 23,821,000 |
| Interest expense | 1,610,000 | 3,171,000 | 4,798,000 | 6,416,000 |
| Net interest income | 4,207,000 | 8,500,000 | 12,936,000 | 17,405,000 |
| Noninterest income | 525,000 | 1,012,000 | 1,420,000 | 1,779,000 |
| Noninterest expense | 2,965,000 | 5,943,000 | 9,109,000 | 12,373,000 |
| Provision for loan losses | 191,000 | 343,000 | 444,000 | 228,000 |
| Pretax income | 1,472,000 | 3,132,000 | 4,709,000 | 6,273,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,472,000 | 3,132,000 | 4,709,000 | 6,273,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,703,000 | 36,363,000 | 36,940,000 | 42,404,000 |
| Total capital | 39,445,000 | 39,797,000 | 40,569,000 | 46,133,000 |
| Risk-weighted assets | 298,883,000 | 273,828,000 | 289,465,000 | 297,585,000 |