Call reports 2025
VILLA GROVE STATE BANK — 2025
What VILLA GROVE STATE 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 | 84,469,000 | 83,510,000 | 83,672,000 | 84,122,000 |
| Total loans | 54,736,000 | 56,772,000 | 56,852,000 | 57,094,000 |
| Allowance for loan losses | 775,000 | 778,000 | 780,000 | 832,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 12,466,000 | 12,639,000 | 11,138,000 | 10,923,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 73,884,000 | 71,213,000 | 72,808,000 | 73,375,000 |
| Interest-bearing deposits | 53,658,000 | 53,194,000 | 53,437,000 | 54,096,000 |
| Noninterest-bearing deposits | 20,226,000 | 18,019,000 | 19,371,000 | 19,279,000 |
| Equity capital | 10,163,000 | 10,173,000 | 10,394,000 | 10,383,000 |
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 | 1,036,000 | 2,103,000 | 3,192,000 | 4,303,000 |
| Interest expense | 288,000 | 571,000 | 870,000 | 1,180,000 |
| Net interest income | 748,000 | 1,532,000 | 2,322,000 | 3,123,000 |
| Noninterest income | 27,000 | 62,000 | 85,000 | 126,000 |
| Noninterest expense | 470,000 | 939,000 | 1,417,000 | 1,961,000 |
| Provision for loan losses | 18,000 | 20,000 | 12,000 | 64,000 |
| Pretax income | 293,000 | 631,000 | 954,000 | 1,240,000 |
| Income tax | 3,000 | 8,000 | 12,000 | 17,000 |
| Net income | 290,000 | 623,000 | 942,000 | 1,223,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,163,000 | 10,173,000 | 10,394,000 | 10,383,000 |