Call reports 2025
GATE CITY BANK — 2025
What GATE CITY 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 | 3,810,682,000 | 3,750,131,000 | 3,825,940,000 | 3,982,369,000 |
| Total loans | 2,894,468,000 | 2,966,087,000 | 2,948,212,000 | 2,959,440,000 |
| Allowance for loan losses | 18,509,000 | 19,830,000 | 20,351,000 | 20,520,000 |
| Securities available for sale | 382,579,000 | 389,698,000 | 402,963,000 | 474,949,000 |
| Securities held to maturity | 3,881,000 | 3,836,000 | 3,791,000 | 3,746,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 3,375,906,000 | 3,334,226,000 | 3,405,882,000 | 3,562,395,000 |
| Interest-bearing deposits | 2,937,601,000 | 2,897,261,000 | 2,929,471,000 | 3,081,003,000 |
| Noninterest-bearing deposits | 438,305,000 | 436,965,000 | 476,411,000 | 481,392,000 |
| Equity capital | 332,634,000 | 339,730,000 | 350,596,000 | 359,688,000 |
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 | 40,471,000 | 83,185,000 | 126,694,000 | 171,571,000 |
| Interest expense | 12,657,000 | 24,576,000 | 36,455,000 | 48,195,000 |
| Net interest income | 27,814,000 | 58,609,000 | 90,239,000 | 123,376,000 |
| Noninterest income | 15,057,000 | 30,775,000 | 46,713,000 | 62,264,000 |
| Noninterest expense | 35,854,000 | 73,107,000 | 109,969,000 | 148,677,000 |
| Provision for loan losses | 1,450,000 | 3,696,000 | 5,151,000 | 6,034,000 |
| Pretax income | 5,562,000 | 12,288,000 | 21,507,000 | 30,549,000 |
| Income tax | 1,436,000 | 3,171,000 | 5,512,000 | 7,445,000 |
| Net income | 4,126,000 | 9,117,000 | 15,995,000 | 23,104,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 359,119,000 | 364,109,000 | 370,987,000 | 378,096,000 |