Call reports 2025
BANK OF GUAM — 2025
What BANK OF GUAM 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 | 2,727,820,000 | 2,683,650,000 | 2,743,150,000 | 3,013,931,000 |
| Total loans | 1,666,006,000 | 1,656,560,000 | 1,713,651,000 | 1,726,724,000 |
| Allowance for loan losses | 32,150,000 | 32,520,000 | 35,043,000 | 28,986,000 |
| Securities available for sale | 393,635,000 | 409,689,000 | 405,078,000 | 426,516,000 |
| Securities held to maturity | 311,214,000 | 310,598,000 | 309,956,000 | 309,407,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,961,428,000 | 1,885,602,000 | 1,903,884,000 | 1,992,713,000 |
| Interest-bearing deposits | 1,288,062,000 | 1,219,234,000 | 1,197,734,000 | 1,265,899,000 |
| Noninterest-bearing deposits | 673,366,000 | 666,368,000 | 706,150,000 | 726,814,000 |
| Equity capital | 207,358,000 | 217,227,000 | 223,418,000 | 223,652,000 |
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 | 30,291,000 | 66,357,000 | 100,545,000 | 136,202,000 |
| Interest expense | 1,668,000 | 4,246,000 | 7,288,000 | 11,433,000 |
| Net interest income | 28,623,000 | 62,111,000 | 93,257,000 | 124,769,000 |
| Noninterest income | 11,952,000 | 24,337,000 | 35,990,000 | 47,535,000 |
| Noninterest expense | 32,570,000 | 65,785,000 | 99,385,000 | 132,389,000 |
| Provision for loan losses | 6,260,000 | 8,766,000 | 12,150,000 | 12,496,000 |
| Pretax income | 2,325,000 | 12,580,000 | 18,036,000 | 28,090,000 |
| Income tax | 274,000 | 2,618,000 | 3,947,000 | 5,376,000 |
| Net income | 2,051,000 | 9,962,000 | 14,089,000 | 22,714,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 254,940,000 | 261,436,000 | 263,928,000 | 260,932,000 |
| Total capital | 277,447,000 | 283,738,000 | 286,966,000 | 284,122,000 |
| Risk-weighted assets | 1,789,999,000 | 1,773,303,000 | 1,829,874,000 | 1,848,611,000 |