Call reports 2025
GRAND VALLEY BANK — 2025
What GRAND 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 | 575,174,000 | 564,417,000 | 588,284,000 | 586,478,000 |
| Total loans | 276,404,000 | 281,855,000 | 280,212,000 | 287,041,000 |
| Allowance for loan losses | 5,310,000 | 5,326,000 | 5,341,000 | 5,356,000 |
| Securities available for sale | 253,208,000 | 247,637,000 | 260,528,000 | 264,286,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 527,820,000 | 517,412,000 | 535,768,000 | 530,860,000 |
| Interest-bearing deposits | 349,574,000 | 342,532,000 | 351,004,000 | 346,974,000 |
| Noninterest-bearing deposits | 178,246,000 | 174,880,000 | 184,764,000 | 183,886,000 |
| Equity capital | 44,977,000 | 44,485,000 | 50,048,000 | 52,758,000 |
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 | 6,985,000 | 14,141,000 | 21,523,000 | 28,919,000 |
| Interest expense | 2,045,000 | 4,114,000 | 6,248,000 | 8,292,000 |
| Net interest income | 4,940,000 | 10,027,000 | 15,275,000 | 20,627,000 |
| Noninterest income | 401,000 | 824,000 | 1,247,000 | 1,858,000 |
| Noninterest expense | 3,271,000 | 6,541,000 | 9,933,000 | 13,441,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 2,055,000 | 4,280,000 | 6,544,000 | 8,984,000 |
| Income tax | 435,000 | 908,000 | 1,360,000 | 1,878,000 |
| Net income | 1,620,000 | 3,372,000 | 5,184,000 | 7,106,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 64,398,000 | 65,511,000 | 66,683,000 | 67,964,000 |