Call reports 2025
VALLEY BANK OF RONAN — 2025
What VALLEY BANK OF RONAN 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 | 189,333,000 | 191,044,000 | 198,344,000 | 203,372,000 |
| Total loans | 131,476,000 | 134,311,000 | 140,458,000 | 139,117,000 |
| Allowance for loan losses | 2,189,000 | 2,248,000 | 2,274,000 | 2,284,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 22,447,000 | 23,121,000 | 23,406,000 | 21,719,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 170,795,000 | 172,272,000 | 178,864,000 | 183,896,000 |
| Interest-bearing deposits | 99,205,000 | 100,013,000 | 103,323,000 | 111,078,000 |
| Noninterest-bearing deposits | 71,590,000 | 72,259,000 | 75,541,000 | 72,818,000 |
| Equity capital | 18,057,000 | 18,525,000 | 19,189,000 | 19,232,000 |
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 | 2,492,000 | 5,102,000 | 8,122,000 | 10,984,000 |
| Interest expense | 512,000 | 1,072,000 | 1,654,000 | 2,225,000 |
| Net interest income | 1,980,000 | 4,030,000 | 6,468,000 | 8,759,000 |
| Noninterest income | 225,000 | 457,000 | 688,000 | 913,000 |
| Noninterest expense | 1,550,000 | 3,124,000 | 4,839,000 | 6,670,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 625,000 | 1,303,000 | 2,227,000 | 2,882,000 |
| Income tax | 139,000 | 349,000 | 609,000 | 671,000 |
| Net income | 486,000 | 954,000 | 1,618,000 | 2,211,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,566,000 | 18,045,000 | 18,719,000 | 18,773,000 |
| Total capital | 19,212,000 | 19,691,000 | 20,409,000 | 20,463,000 |
| Risk-weighted assets | 131,126,000 | 131,096,000 | 134,696,000 | 134,623,000 |