Call reports 2025
VALLEY STATE BANK, THE — 2025
What VALLEY STATE BANK, THE 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 | 196,117,000 | 191,791,000 | 193,081,000 | 195,229,000 |
| Total loans | 109,129,000 | 106,658,000 | 107,562,000 | 111,562,000 |
| Allowance for loan losses | 927,000 | 893,000 | 945,000 | 1,114,000 |
| Securities available for sale | 68,658,000 | 69,768,000 | 71,275,000 | 70,269,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 167,860,000 | 163,340,000 | 165,836,000 | 166,313,000 |
| Interest-bearing deposits | 118,438,000 | 116,599,000 | 118,210,000 | 138,585,000 |
| Noninterest-bearing deposits | 49,422,000 | 46,741,000 | 47,626,000 | 27,728,000 |
| Equity capital | 21,029,000 | 21,394,000 | 22,808,000 | 22,804,000 |
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 | 2,553,000 | 5,155,000 | 7,812,000 | 10,511,000 |
| Interest expense | 706,000 | 1,379,000 | 2,046,000 | 2,706,000 |
| Net interest income | 1,847,000 | 3,776,000 | 5,766,000 | 7,805,000 |
| Noninterest income | 86,000 | 189,000 | 369,000 | 541,000 |
| Noninterest expense | 1,322,000 | 2,662,000 | 4,059,000 | 5,493,000 |
| Provision for loan losses | 15,000 | 55,000 | 112,000 | 527,000 |
| Pretax income | 593,000 | 1,247,000 | 1,957,000 | 2,320,000 |
| Income tax | 117,000 | 273,000 | 443,000 | 522,000 |
| Net income | 476,000 | 974,000 | 1,514,000 | 1,798,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,011,000 | 24,285,000 | 24,825,000 | 24,608,000 |
Machine access — free, no API key
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