Call reports 2025
GRAHAM SAVINGS AND LOAN, SSB — 2025
What GRAHAM SAVINGS AND LOAN, SSB 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 | 156,033,000 | 155,686,000 | 160,098,000 | 157,105,000 |
| Total loans | 114,238,000 | 114,351,000 | 109,808,000 | 108,062,000 |
| Allowance for loan losses | 1,741,000 | 1,766,000 | 1,627,000 | 1,593,000 |
| Securities available for sale | 5,456,000 | 5,152,000 | 8,083,000 | 9,744,000 |
| Securities held to maturity | 17,866,000 | 17,656,000 | 16,966,000 | 16,715,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 128,260,000 | 129,493,000 | 133,535,000 | 132,517,000 |
| Interest-bearing deposits | 113,810,000 | 114,233,000 | 116,991,000 | 116,289,000 |
| Noninterest-bearing deposits | 14,450,000 | 15,260,000 | 16,544,000 | 16,228,000 |
| Equity capital | 16,605,000 | 16,659,000 | 17,032,000 | 17,268,000 |
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 | 2,093,000 | 4,245,000 | 6,553,000 | 8,793,000 |
| Interest expense | 972,000 | 1,905,000 | 2,855,000 | 3,776,000 |
| Net interest income | 1,121,000 | 2,340,000 | 3,698,000 | 5,017,000 |
| Noninterest income | 159,000 | 323,000 | 491,000 | 653,000 |
| Noninterest expense | 1,149,000 | 2,330,000 | 3,543,000 | 4,752,000 |
| Provision for loan losses | -21,000 | 4,000 | -40,000 | -74,000 |
| Pretax income | 152,000 | 320,000 | 679,000 | 988,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 152,000 | 320,000 | 679,000 | 988,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,628,000 | 16,731,000 | 16,979,000 | 17,224,000 |
| Total capital | 17,771,000 | 17,865,000 | 18,068,000 | 18,311,000 |
| Risk-weighted assets | 90,851,000 | 90,148,000 | 86,622,000 | 86,525,000 |