Call reports 2025
TWIN VALLEY BANK, THE — 2025
What TWIN VALLEY 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 | 134,324,000 | 138,569,000 | 142,368,000 | 145,629,000 |
| Total loans | 88,780,000 | 92,321,000 | 94,261,000 | 94,324,000 |
| Allowance for loan losses | 762,000 | 781,000 | 799,000 | 802,000 |
| Securities available for sale | 30,652,000 | 33,466,000 | 34,186,000 | 29,746,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 125,428,000 | 128,775,000 | 128,689,000 | 135,034,000 |
| Interest-bearing deposits | 105,373,000 | 107,411,000 | 108,446,000 | 113,209,000 |
| Noninterest-bearing deposits | 20,055,000 | 21,364,000 | 20,243,000 | 21,825,000 |
| Equity capital | 8,373,000 | 8,469,000 | 9,496,000 | 9,901,000 |
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 | 1,588,000 | 3,310,000 | 5,077,000 | 6,892,000 |
| Interest expense | 404,000 | 820,000 | 1,264,000 | 1,688,000 |
| Net interest income | 1,184,000 | 2,490,000 | 3,813,000 | 5,204,000 |
| Noninterest income | 89,000 | 186,000 | 285,000 | 394,000 |
| Noninterest expense | 998,000 | 2,044,000 | 3,090,000 | 4,145,000 |
| Provision for loan losses | 15,000 | 38,000 | 67,000 | 77,000 |
| Pretax income | 260,000 | 594,000 | 941,000 | 1,402,000 |
| Income tax | 38,000 | 87,000 | 136,000 | 230,000 |
| Net income | 222,000 | 507,000 | 805,000 | 1,172,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,647,000 | 11,788,000 | 12,085,000 | 12,309,000 |
| Total capital | 12,409,000 | 12,569,000 | 12,884,000 | 13,141,000 |
| Risk-weighted assets | 92,568,000 | 96,066,000 | 98,332,000 | 98,152,000 |