Call reports 2025
CACHE VALLEY BANK — 2025
What CACHE VALLEY 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 | 3,336,843,000 | 3,315,463,000 | 3,587,093,000 | 3,526,937,000 |
| Total loans | 2,466,238,000 | 2,550,328,000 | 2,595,725,000 | 2,561,920,000 |
| Allowance for loan losses | 31,594,000 | 32,916,000 | 34,379,000 | 33,931,000 |
| Securities available for sale | 102,801,000 | 104,977,000 | 100,915,000 | 106,228,000 |
| Securities held to maturity | 32,210,000 | 32,140,000 | 32,017,000 | 30,513,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,951,542,000 | 2,925,644,000 | 3,184,341,000 | 3,159,938,000 |
| Interest-bearing deposits | 2,241,561,000 | 2,225,384,000 | 2,442,274,000 | 2,460,973,000 |
| Noninterest-bearing deposits | 709,981,000 | 700,260,000 | 742,067,000 | 698,965,000 |
| Equity capital | 359,570,000 | 368,416,000 | 380,146,000 | 343,688,000 |
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 | 50,416,000 | 103,212,000 | 159,416,000 | 216,386,000 |
| Interest expense | 19,171,000 | 38,710,000 | 59,124,000 | 79,909,000 |
| Net interest income | 31,245,000 | 64,502,000 | 100,292,000 | 136,477,000 |
| Noninterest income | 2,234,000 | 3,954,000 | 5,900,000 | 6,367,000 |
| Noninterest expense | 13,754,000 | 27,829,000 | 47,096,000 | 61,835,000 |
| Provision for loan losses | 1,500,000 | 3,000,000 | 4,500,000 | 4,500,000 |
| Pretax income | 18,225,000 | 37,627,000 | 54,596,000 | 76,509,000 |
| Income tax | 4,655,000 | 9,485,000 | 9,771,000 | 12,424,000 |
| Net income | 13,570,000 | 28,142,000 | 44,825,000 | 64,085,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 359,863,000 | 368,529,000 | 380,076,000 | 343,579,000 |
| Total capital | 391,852,000 | 401,840,000 | 414,850,000 | 377,905,000 |
| Risk-weighted assets | 2,692,026,000 | 2,811,663,000 | 2,882,871,000 | 2,878,224,000 |