Call reports 2025
GOLDEN STATE BANK — 2025
What GOLDEN STATE 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 | 887,357,000 | 918,118,000 | 927,592,000 | 953,547,000 |
| Total loans | 760,142,000 | 785,286,000 | 794,429,000 | 820,805,000 |
| Allowance for loan losses | 10,208,000 | 10,532,000 | 10,658,000 | 10,978,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 1,995,000 | 999,000 | 500,000 | 500,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 758,252,000 | 788,879,000 | 800,191,000 | 811,101,000 |
| Interest-bearing deposits | 652,054,000 | 684,444,000 | 698,374,000 | 716,893,000 |
| Noninterest-bearing deposits | 106,198,000 | 104,435,000 | 101,817,000 | 94,208,000 |
| Equity capital | 83,904,000 | 86,762,000 | 89,767,000 | 102,530,000 |
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 | 14,558,000 | 30,139,000 | 46,360,000 | 62,650,000 |
| Interest expense | 6,316,000 | 13,072,000 | 20,210,000 | 26,905,000 |
| Net interest income | 8,242,000 | 17,067,000 | 26,150,000 | 35,745,000 |
| Noninterest income | 69,000 | 152,000 | 233,000 | 318,000 |
| Noninterest expense | 4,802,000 | 9,606,000 | 14,824,000 | 20,578,000 |
| Provision for loan losses | 659,000 | 1,033,000 | 1,138,000 | 1,444,000 |
| Pretax income | 2,919,000 | 6,809,000 | 10,779,000 | 14,263,000 |
| Income tax | 921,000 | 2,129,000 | 3,287,000 | 4,192,000 |
| Net income | 1,998,000 | 4,680,000 | 7,492,000 | 10,071,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 83,904,000 | 86,761,000 | 89,767,000 | 102,530,000 |