Call reports 2025
GSL SAVINGS BANK — 2025
What GSL SAVINGS 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 | 161,302,000 | 162,503,000 | 157,119,000 | 149,102,000 |
| Total loans | 115,134,000 | 118,656,000 | 119,230,000 | 118,419,000 |
| Allowance for loan losses | 816,000 | 812,000 | 833,000 | 853,000 |
| Securities available for sale | 18,032,000 | 15,127,000 | 13,189,000 | 13,114,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 130,335,000 | 131,766,000 | 126,148,000 | 118,267,000 |
| Interest-bearing deposits | 122,877,000 | 124,873,000 | 120,726,000 | 112,827,000 |
| Noninterest-bearing deposits | 7,458,000 | 6,893,000 | 5,422,000 | 5,440,000 |
| Equity capital | 11,305,000 | 11,267,000 | 11,331,000 | 11,346,000 |
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 | 1,867,000 | 3,753,000 | 5,695,000 | 7,621,000 |
| Interest expense | 1,035,000 | 2,077,000 | 3,113,000 | 4,068,000 |
| Net interest income | 832,000 | 1,676,000 | 2,582,000 | 3,553,000 |
| Noninterest income | 100,000 | 123,000 | 153,000 | 183,000 |
| Noninterest expense | 1,021,000 | 1,988,000 | 2,950,000 | 3,950,000 |
| Provision for loan losses | 15,000 | 13,000 | 33,000 | 53,000 |
| Pretax income | -104,000 | -219,000 | -260,000 | -275,000 |
| Income tax | -27,000 | -61,000 | -91,000 | -95,000 |
| Net income | -77,000 | -158,000 | -169,000 | -180,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,597,000 | 11,307,000 | 11,224,000 | 11,208,000 |
| Total capital | 12,418,000 | 12,143,000 | 12,076,000 | 12,074,000 |
| Risk-weighted assets | 94,137,000 | 98,428,000 | 97,860,000 | 95,692,000 |