Call reports 2025
GIFFORD STATE BANK, THE — 2025
What GIFFORD 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 | 191,584,000 | 188,497,000 | 193,314,000 | 189,640,000 |
| Total loans | 133,552,000 | 136,274,000 | 140,619,000 | 141,154,000 |
| Allowance for loan losses | 2,033,000 | 2,038,000 | 2,054,000 | 2,038,000 |
| Securities available for sale | 1,007,000 | 956,000 | 1,069,000 | 1,014,000 |
| Securities held to maturity | 17,699,000 | 17,175,000 | 16,404,000 | 15,431,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 166,064,000 | 162,297,000 | 166,232,000 | 161,818,000 |
| Interest-bearing deposits | 134,153,000 | 131,950,000 | 132,328,000 | 128,647,000 |
| Noninterest-bearing deposits | 31,911,000 | 30,347,000 | 33,904,000 | 33,171,000 |
| Equity capital | 23,596,000 | 24,287,000 | 25,158,000 | 26,034,000 |
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 | 2,449,000 | 5,026,000 | 7,640,000 | 10,325,000 |
| Interest expense | 331,000 | 667,000 | 1,005,000 | 1,332,000 |
| Net interest income | 2,118,000 | 4,359,000 | 6,635,000 | 8,993,000 |
| Noninterest income | 96,000 | 204,000 | 316,000 | 928,000 |
| Noninterest expense | 1,136,000 | 2,302,000 | 3,565,000 | 5,032,000 |
| Provision for loan losses | 0 | 0 | -225,000 | -195,000 |
| Pretax income | 1,078,000 | 2,261,000 | 3,611,000 | 5,084,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,078,000 | 2,261,000 | 3,611,000 | 5,084,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,675,000 | 24,358,000 | 25,208,000 | 26,081,000 |