Call reports 2025
YAMPA VALLEY BANK — 2025
What YAMPA 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 | 621,529,000 | 655,516,000 | 668,493,000 | 684,430,000 |
| Total loans | 475,444,000 | 515,272,000 | 524,865,000 | 525,343,000 |
| Allowance for loan losses | 7,233,000 | 7,235,000 | 7,575,000 | 7,615,000 |
| Securities available for sale | 132,925,000 | 126,306,000 | 122,627,000 | 129,749,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 567,552,000 | 578,820,000 | 608,426,000 | 622,087,000 |
| Interest-bearing deposits | 404,414,000 | 402,212,000 | 421,549,000 | 428,675,000 |
| Noninterest-bearing deposits | 163,138,000 | 176,608,000 | 186,877,000 | 193,412,000 |
| Equity capital | 50,134,000 | 52,166,000 | 55,474,000 | 57,756,000 |
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 | 9,498,000 | 19,370,000 | 29,847,000 | 40,413,000 |
| Interest expense | 3,025,000 | 6,087,000 | 9,178,000 | 12,235,000 |
| Net interest income | 6,473,000 | 13,283,000 | 20,669,000 | 28,178,000 |
| Noninterest income | 493,000 | 1,066,000 | 1,748,000 | 2,323,000 |
| Noninterest expense | 3,739,000 | 7,294,000 | 10,981,000 | 14,856,000 |
| Provision for loan losses | 327,000 | 322,000 | 844,000 | 923,000 |
| Pretax income | 2,943,000 | 6,759,000 | 10,465,000 | 14,626,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 2,943,000 | 6,759,000 | 10,465,000 | 14,626,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 58,930,000 | 60,781,000 | 62,080,000 | 63,891,000 |