Call reports 2025
GS&L MUNICIPAL BANK — 2025
What GS&L MUNICIPAL 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 | 38,704,000 | 37,624,000 | 35,099,000 | 39,035,000 |
| Total loans | 0 | 0 | 0 | 0 |
| Allowance for loan losses | 0 | 0 | 0 | 0 |
| Securities available for sale | 23,005,000 | 22,291,000 | 21,169,000 | 22,881,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 24,243,000 | 22,917,000 | 20,028,000 | 23,669,000 |
| Interest-bearing deposits | 23,823,000 | 22,459,000 | 19,440,000 | 23,180,000 |
| Noninterest-bearing deposits | 420,000 | 458,000 | 588,000 | 489,000 |
| Equity capital | 14,025,000 | 14,223,000 | 14,546,000 | 14,791,000 |
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 | 301,000 | 612,000 | 904,000 | 1,197,000 |
| Interest expense | 37,000 | 79,000 | 116,000 | 151,000 |
| Net interest income | 264,000 | 533,000 | 788,000 | 1,046,000 |
| Noninterest income | 0 | 0 | 0 | 0 |
| Noninterest expense | 31,000 | 67,000 | 103,000 | 135,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 233,000 | 466,000 | 701,000 | 927,000 |
| Income tax | 42,000 | 85,000 | 127,000 | 167,000 |
| Net income | 191,000 | 381,000 | 574,000 | 760,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,188,000 | 14,378,000 | 14,571,000 | 14,756,000 |
| Total capital | 14,188,000 | 14,378,000 | 14,571,000 | 14,756,000 |
| Risk-weighted assets | 16,934,000 | 17,306,000 | 15,524,000 | 17,788,000 |