Call reports 2025
GOLDWATER BANK, NATIONAL ASSOCIATION — 2025
What GOLDWATER BANK, NATIONAL 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 | 467,698,000 | 456,466,000 | 474,321,000 | 515,278,000 |
| Total loans | 393,220,000 | 412,164,000 | 425,669,000 | 424,745,000 |
| Allowance for loan losses | 5,177,000 | 5,147,000 | 5,162,000 | 5,537,000 |
| Securities available for sale | 309,000 | 298,000 | 300,000 | 48,954,000 |
| Securities held to maturity | 11,900,000 | 13,400,000 | 12,400,000 | 12,400,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 342,607,000 | 330,928,000 | 348,280,000 | 368,380,000 |
| Interest-bearing deposits | 233,791,000 | 221,347,000 | 227,223,000 | 274,333,000 |
| Noninterest-bearing deposits | 108,816,000 | 109,581,000 | 121,057,000 | 94,047,000 |
| Equity capital | 57,194,000 | 57,927,000 | 58,513,000 | 58,029,000 |
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 | 6,772,000 | 14,051,000 | 21,182,000 | 28,795,000 |
| Interest expense | 2,765,000 | 5,565,000 | 8,355,000 | 11,474,000 |
| Net interest income | 4,007,000 | 8,486,000 | 12,827,000 | 17,321,000 |
| Noninterest income | 1,652,000 | 2,770,000 | 3,482,000 | 4,194,000 |
| Noninterest expense | 3,581,000 | 7,662,000 | 11,641,000 | 15,626,000 |
| Provision for loan losses | 0 | 0 | 125,000 | 500,000 |
| Pretax income | 2,078,000 | 3,594,000 | 4,543,000 | 5,389,000 |
| Income tax | 509,000 | 908,000 | 1,199,000 | 1,357,000 |
| Net income | 1,569,000 | 2,686,000 | 3,344,000 | 4,032,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 57,224,000 | 57,958,000 | 58,533,000 | 58,794,000 |