Call reports 2025
WEST VALLEY NATIONAL BANK — 2025
What WEST VALLEY NATIONAL 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 | 71,319,000 | 72,812,000 | 71,244,000 | 78,271,000 |
| Total loans | 55,883,000 | 61,937,000 | 61,125,000 | 69,076,000 |
| Allowance for loan losses | 775,000 | 775,000 | 775,000 | 785,000 |
| Securities available for sale | 7,166,000 | 6,771,000 | 6,397,000 | 5,982,000 |
| Securities held to maturity | 980,000 | 949,000 | 418,000 | 389,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 61,929,000 | 63,667,000 | 62,102,000 | 62,708,000 |
| Interest-bearing deposits | 29,334,000 | 32,962,000 | 31,251,000 | 31,958,000 |
| Noninterest-bearing deposits | 32,595,000 | 30,705,000 | 30,851,000 | 30,750,000 |
| Equity capital | 8,763,000 | 8,389,000 | 8,425,000 | 7,464,000 |
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 | 944,000 | 2,008,000 | 3,662,000 | 4,837,000 |
| Interest expense | 198,000 | 405,000 | 620,000 | 867,000 |
| Net interest income | 746,000 | 1,603,000 | 3,042,000 | 3,970,000 |
| Noninterest income | 49,000 | 105,000 | 151,000 | 193,000 |
| Noninterest expense | 1,141,000 | 2,469,000 | 3,974,000 | 5,913,000 |
| Provision for loan losses | 0 | 0 | 0 | 10,000 |
| Pretax income | -346,000 | -761,000 | -781,000 | -1,760,000 |
| Income tax | -1,000 | 0 | -1,000 | -1,000 |
| Net income | -345,000 | -761,000 | -780,000 | -1,759,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,981,000 | 8,564,000 | 8,546,000 | 7,567,000 |
| Total capital | 9,719,000 | 9,357,000 | 9,328,000 | 8,288,000 |
| Risk-weighted assets | 58,966,000 | 63,411,000 | 62,588,000 | 57,560,000 |