Call reports 2025
VALLANT BANK — 2025
What VALLANT 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 | 2,261,056,000 | 2,258,102,000 | 2,232,023,000 | 2,267,326,000 |
| Total loans | 1,582,028,000 | 1,621,285,000 | 1,667,842,000 | 1,696,875,000 |
| Allowance for loan losses | 20,702,000 | 20,871,000 | 20,921,000 | 21,021,000 |
| Securities available for sale | 369,319,000 | 377,605,000 | 388,035,000 | 382,490,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,037,161,000 | 2,030,442,000 | 1,996,133,000 | 2,015,596,000 |
| Interest-bearing deposits | 1,424,974,000 | 1,406,205,000 | 1,358,024,000 | 1,369,284,000 |
| Noninterest-bearing deposits | 612,187,000 | 624,237,000 | 638,109,000 | 646,312,000 |
| Equity capital | 200,126,000 | 206,453,000 | 215,221,000 | 223,434,000 |
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 | 27,334,000 | 56,170,000 | 85,620,000 | 115,079,000 |
| Interest expense | 6,546,000 | 13,210,000 | 19,720,000 | 26,071,000 |
| Net interest income | 20,788,000 | 42,960,000 | 65,900,000 | 89,008,000 |
| Noninterest income | 5,424,000 | 11,061,000 | 16,636,000 | 23,081,000 |
| Noninterest expense | 17,541,000 | 35,919,000 | 54,948,000 | 74,380,000 |
| Provision for loan losses | 450,000 | 900,000 | 1,350,000 | 1,800,000 |
| Pretax income | 8,238,000 | 17,197,000 | 26,352,000 | 36,046,000 |
| Income tax | 1,814,000 | 3,814,000 | 5,695,000 | 7,048,000 |
| Net income | 6,424,000 | 13,383,000 | 20,657,000 | 28,998,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 206,155,000 | 210,473,000 | 214,608,000 | 219,646,000 |
| Total capital | 227,652,000 | 232,139,000 | 236,324,000 | 241,463,000 |
| Risk-weighted assets | 1,753,833,000 | 1,791,913,000 | 1,850,958,000 | 1,888,950,000 |