Call reports 2025
GOUVERNEUR SAVINGS AND LOAN ASSOCIATION — 2025
What GOUVERNEUR SAVINGS AND LOAN ASSOCIATION 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 | 197,731,000 | 197,064,000 | 198,839,000 | 202,109,000 |
| Total loans | 126,449,000 | 127,005,000 | 132,604,000 | 134,245,000 |
| Allowance for loan losses | 1,064,000 | 1,072,000 | 1,100,000 | 1,112,000 |
| Securities available for sale | 42,812,000 | 41,697,000 | 40,931,000 | 42,797,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 164,019,000 | 162,096,000 | 156,554,000 | 161,317,000 |
| Interest-bearing deposits | 145,824,000 | 143,742,000 | 137,113,000 | 142,419,000 |
| Noninterest-bearing deposits | 18,195,000 | 18,354,000 | 19,441,000 | 18,898,000 |
| Equity capital | 29,794,000 | 30,009,000 | 30,860,000 | 31,506,000 |
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 | 2,156,000 | 4,340,000 | 6,556,000 | 8,807,000 |
| Interest expense | 391,000 | 750,000 | 1,117,000 | 1,571,000 |
| Net interest income | 1,765,000 | 3,590,000 | 5,439,000 | 7,236,000 |
| Noninterest income | 200,000 | 441,000 | 679,000 | 1,063,000 |
| Noninterest expense | 1,731,000 | 3,451,000 | 5,246,000 | 7,061,000 |
| Provision for loan losses | 5,000 | 13,000 | 46,000 | 59,000 |
| Pretax income | 234,000 | 569,000 | 912,000 | 1,266,000 |
| Income tax | -16,000 | 35,000 | 61,000 | 81,000 |
| Net income | 250,000 | 534,000 | 851,000 | 1,185,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,331,000 | 26,715,000 | 27,133,000 | 27,561,000 |
| Total capital | 27,415,000 | 27,810,000 | 28,255,000 | 28,695,000 |
| Risk-weighted assets | 111,473,000 | 111,876,000 | 112,206,000 | 112,475,000 |
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