Call reports 2025
COTTONWOOD VALLEY BANK — 2025
What COTTONWOOD 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 | 36,951,000 | 36,633,000 | 38,679,000 | 37,126,000 |
| Total loans | 3,638,000 | 7,054,000 | 6,991,000 | 6,301,000 |
| Allowance for loan losses | 266,000 | 269,000 | 271,000 | 275,000 |
| Securities available for sale | 23,098,000 | 22,876,000 | 22,189,000 | 22,362,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 32,716,000 | 31,985,000 | 33,447,000 | 31,903,000 |
| Interest-bearing deposits | 21,667,000 | 20,984,000 | 21,855,000 | 21,183,000 |
| Noninterest-bearing deposits | 11,049,000 | 11,001,000 | 11,592,000 | 10,720,000 |
| Equity capital | 3,344,000 | 3,763,000 | 4,294,000 | 4,314,000 |
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 | 261,000 | 573,000 | 903,000 | 1,238,000 |
| Interest expense | 73,000 | 138,000 | 208,000 | 285,000 |
| Net interest income | 188,000 | 435,000 | 695,000 | 953,000 |
| Noninterest income | 43,000 | 72,000 | 194,000 | 218,000 |
| Noninterest expense | 168,000 | 338,000 | 557,000 | 958,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 63,000 | 169,000 | 332,000 | 213,000 |
| Income tax | 1,000 | 2,000 | 2,000 | 3,000 |
| Net income | 62,000 | 167,000 | 330,000 | 210,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,350,000 | 5,454,000 | 5,617,000 | 5,497,000 |