Call reports 2025
GULF ATLANTIC BANK — 2025
What GULF ATLANTIC 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 | 178,109,000 | 195,585,000 | 208,975,000 | 233,104,000 |
| Total loans | 136,498,000 | 151,234,000 | 162,270,000 | 191,184,000 |
| Allowance for loan losses | 1,473,000 | 1,513,000 | 1,622,000 | 1,767,000 |
| Securities available for sale | 18,114,000 | 21,022,000 | 19,897,000 | 17,303,000 |
| Securities held to maturity | 1,850,000 | 1,350,000 | 1,350,000 | 1,350,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 158,183,000 | 164,606,000 | 181,487,000 | 186,159,000 |
| Interest-bearing deposits | 137,293,000 | 134,734,000 | 149,626,000 | 156,777,000 |
| Noninterest-bearing deposits | 20,890,000 | 29,872,000 | 31,861,000 | 29,382,000 |
| Equity capital | 15,534,000 | 16,648,000 | 17,764,000 | 20,253,000 |
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 | 2,946,000 | 6,124,000 | 9,640,000 | 13,336,000 |
| Interest expense | 1,095,000 | 2,314,000 | 3,617,000 | 4,987,000 |
| Net interest income | 1,851,000 | 3,810,000 | 6,023,000 | 8,349,000 |
| Noninterest income | 127,000 | 245,000 | 346,000 | 491,000 |
| Noninterest expense | 1,297,000 | 2,739,000 | 4,291,000 | 6,092,000 |
| Provision for loan losses | 101,000 | 335,000 | 620,000 | 843,000 |
| Pretax income | 580,000 | 981,000 | 1,509,000 | 1,975,000 |
| Income tax | 143,000 | 235,000 | 361,000 | 351,000 |
| Net income | 437,000 | 746,000 | 1,148,000 | 1,624,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,782,000 | 17,790,000 | 18,602,000 | 21,012,000 |
| Total capital | 18,255,000 | 19,303,000 | 20,223,000 | 22,779,000 |
| Risk-weighted assets | 150,537,000 | 165,618,000 | 182,090,000 | 210,482,000 |
Machine access — free, no API key
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