Call reports 2025
CEDAR VALLEY BANK & TRUST — 2025
What CEDAR VALLEY BANK & TRUST 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 | 120,654,000 | 120,158,000 | 120,145,000 | 121,368,000 |
| Total loans | 111,797,000 | 111,582,000 | 111,788,000 | 113,066,000 |
| Allowance for loan losses | 757,000 | 747,000 | 796,000 | 833,000 |
| Securities available for sale | 4,566,000 | 4,247,000 | 4,189,000 | 4,140,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 97,399,000 | 95,821,000 | 91,492,000 | 109,322,000 |
| Interest-bearing deposits | 75,045,000 | 75,056,000 | 70,516,000 | 88,702,000 |
| Noninterest-bearing deposits | 22,354,000 | 20,765,000 | 20,976,000 | 20,620,000 |
| Equity capital | 9,980,000 | 10,424,000 | 10,699,000 | 10,813,000 |
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 | 1,652,000 | 3,375,000 | 5,074,000 | 6,817,000 |
| Interest expense | 492,000 | 985,000 | 1,475,000 | 1,924,000 |
| Net interest income | 1,160,000 | 2,390,000 | 3,599,000 | 4,893,000 |
| Noninterest income | 26,000 | 69,000 | 93,000 | 130,000 |
| Noninterest expense | 771,000 | 1,590,000 | 2,440,000 | 3,465,000 |
| Provision for loan losses | 25,000 | 50,000 | 120,000 | 188,000 |
| Pretax income | 391,000 | 823,000 | 1,130,000 | 1,359,000 |
| Income tax | 16,000 | 29,000 | 42,000 | 52,000 |
| Net income | 375,000 | 794,000 | 1,088,000 | 1,307,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,095,000 | 10,512,000 | 10,706,000 | 10,824,000 |
| Total capital | 10,852,000 | 11,259,000 | 11,502,000 | 11,657,000 |
| Risk-weighted assets | 89,661,000 | 89,151,000 | 87,901,000 | 89,410,000 |