Call reports 2025
GALA BANK — 2025
What GALA 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 | 19,100,000 | 23,189,000 | 30,117,000 | 30,900,000 |
| Total loans | 3,423,000 | 7,046,000 | 12,623,000 | 14,631,000 |
| Allowance for loan losses | 33,000 | 70,000 | 100,000 | 125,000 |
| Securities available for sale | 2,004,000 | 3,472,000 | 5,481,000 | 5,490,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 8,948,000 | 13,189,000 | 20,254,000 | 21,240,000 |
| Interest-bearing deposits | 6,967,000 | 11,037,000 | 12,090,000 | 13,187,000 |
| Noninterest-bearing deposits | 1,981,000 | 2,152,000 | 8,164,000 | 8,053,000 |
| Equity capital | 10,131,000 | 9,945,000 | 9,765,000 | 9,580,000 |
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 | 110,000 | 340,000 | 702,000 | 1,079,000 |
| Interest expense | 11,000 | 75,000 | 161,000 | 241,000 |
| Net interest income | 99,000 | 265,000 | 541,000 | 838,000 |
| Noninterest income | 0 | 2,000 | 3,000 | 19,000 |
| Noninterest expense | 306,000 | 677,000 | 1,175,000 | 1,792,000 |
| Provision for loan losses | 33,000 | 70,000 | 100,000 | 125,000 |
| Pretax income | -240,000 | -480,000 | -731,000 | -1,060,000 |
| Income tax | -61,000 | -118,000 | -185,000 | -268,000 |
| Net income | -179,000 | -362,000 | -546,000 | -792,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,600,000 | 9,358,000 | 9,107,000 | 8,834,000 |
| Total capital | 9,633,000 | 9,428,000 | 9,207,000 | 8,959,000 |
| Risk-weighted assets | 8,323,000 | 12,054,000 | 18,445,000 | 22,647,000 |