Call reports 2025
GAINEY BUSINESS BANK — 2025
What GAINEY BUSINESS 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 | 54,866,000 | 68,284,000 | 79,248,000 | 103,692,000 |
| Total loans | 51,690,000 | 60,613,000 | 68,311,000 | 87,665,000 |
| Allowance for loan losses | 834,000 | 834,000 | 834,000 | 1,146,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 38,941,000 | 58,672,000 | 69,707,000 | 94,399,000 |
| Interest-bearing deposits | 37,093,000 | 56,446,000 | 65,952,000 | 91,162,000 |
| Noninterest-bearing deposits | 1,848,000 | 2,226,000 | 3,755,000 | 3,237,000 |
| Equity capital | 8,689,000 | 8,450,000 | 8,269,000 | 7,980,000 |
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 | 960,000 | 2,121,000 | 3,465,000 | 5,101,000 |
| Interest expense | 367,000 | 811,000 | 1,294,000 | 1,930,000 |
| Net interest income | 593,000 | 1,310,000 | 2,171,000 | 3,171,000 |
| Noninterest income | 10,000 | 83,000 | 99,000 | 210,000 |
| Noninterest expense | 1,074,000 | 2,185,000 | 3,350,000 | 4,634,000 |
| Provision for loan losses | 0 | 0 | 0 | 312,000 |
| Pretax income | -471,000 | -792,000 | -1,080,000 | -1,476,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -471,000 | -792,000 | -1,080,000 | -1,476,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,689,000 | 8,450,000 | 8,269,000 | 7,980,000 |
| Total capital | — | 9,254,000 | — | 9,051,000 |
| Risk-weighted assets | — | 64,222,000 | — | 85,549,000 |