Call reports 2025
VALLEY BANK OF COMMERCE — 2025
What VALLEY BANK OF COMMERCE 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 | 346,114,000 | 267,651,000 | 267,333,000 | 291,390,000 |
| Total loans | 145,240,000 | 144,039,000 | 152,696,000 | 156,949,000 |
| Allowance for loan losses | 3,086,000 | 3,011,000 | 3,046,000 | 2,648,000 |
| Securities available for sale | 3,398,000 | 3,159,000 | 3,827,000 | 3,458,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 310,230,000 | 229,052,000 | 226,401,000 | 248,034,000 |
| Interest-bearing deposits | 190,207,000 | 129,027,000 | 124,397,000 | 120,835,000 |
| Noninterest-bearing deposits | 120,023,000 | 100,025,000 | 102,004,000 | 127,199,000 |
| Equity capital | 35,755,000 | 38,304,000 | 40,494,000 | 42,633,000 |
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 | 4,589,000 | 9,800,000 | 14,262,000 | 19,038,000 |
| Interest expense | 690,000 | 1,606,000 | 2,273,000 | 2,865,000 |
| Net interest income | 3,899,000 | 8,194,000 | 11,989,000 | 16,173,000 |
| Noninterest income | 169,000 | 360,000 | 611,000 | 894,000 |
| Noninterest expense | 1,433,000 | 2,991,000 | 4,463,000 | 6,064,000 |
| Provision for loan losses | 500,000 | 500,000 | 500,000 | 850,000 |
| Pretax income | 2,140,000 | 5,059,000 | 7,641,000 | 10,146,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 2,140,000 | 5,059,000 | 7,641,000 | 10,146,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,757,000 | 38,305,000 | 40,494,000 | 42,633,000 |
| Total capital | 37,700,000 | 40,302,000 | 42,567,000 | 44,878,000 |
| Risk-weighted assets | 154,358,000 | 158,759,000 | 164,878,000 | 179,240,000 |