Call reports 2025
TRI-VALLEY BANK — 2025
What TRI-VALLEY 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 | 86,573,000 | 85,494,000 | 83,351,000 | 80,320,000 |
| Total loans | 49,293,000 | 50,591,000 | 54,250,000 | 55,156,000 |
| Allowance for loan losses | 684,000 | 989,000 | 1,006,000 | 1,035,000 |
| Securities available for sale | 16,081,000 | 13,685,000 | 13,715,000 | 13,541,000 |
| Securities held to maturity | 7,654,000 | 7,695,000 | 6,728,000 | 6,760,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 80,246,000 | 80,144,000 | 77,668,000 | 74,602,000 |
| Interest-bearing deposits | 60,435,000 | 59,401,000 | 58,853,000 | 54,962,000 |
| Noninterest-bearing deposits | 19,811,000 | 20,743,000 | 18,815,000 | 19,640,000 |
| Equity capital | 5,983,000 | 5,051,000 | 5,403,000 | 4,841,000 |
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 | 1,108,000 | 1,997,000 | 3,067,000 | 4,172,000 |
| Interest expense | 341,000 | 676,000 | 975,000 | 1,257,000 |
| Net interest income | 767,000 | 1,321,000 | 2,092,000 | 2,915,000 |
| Noninterest income | 84,000 | 133,000 | 212,000 | 284,000 |
| Noninterest expense | 676,000 | 1,450,000 | 2,160,000 | 2,935,000 |
| Provision for loan losses | 13,000 | 813,000 | 843,000 | 873,000 |
| Pretax income | 168,000 | -801,000 | -700,000 | -616,000 |
| Income tax | 34,000 | -26,000 | 20,000 | 126,000 |
| Net income | 134,000 | -775,000 | -720,000 | -742,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,320,000 | 7,411,000 | 7,592,000 | 7,569,000 |