Call reports 2025
VALUEBANK TEXAS — 2025
What VALUEBANK TEXAS 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 | 300,351,000 | 301,355,000 | 305,096,000 | 302,496,000 |
| Total loans | 152,374,000 | 154,007,000 | 158,225,000 | 160,211,000 |
| Allowance for loan losses | 1,990,000 | 1,991,000 | 1,764,000 | 1,750,000 |
| Securities available for sale | 56,022,000 | 56,087,000 | 60,603,000 | 61,398,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 260,859,000 | 261,251,000 | 262,757,000 | 262,737,000 |
| Interest-bearing deposits | 152,499,000 | 148,715,000 | 152,577,000 | 155,575,000 |
| Noninterest-bearing deposits | 108,360,000 | 112,536,000 | 110,180,000 | 107,162,000 |
| Equity capital | 36,003,000 | 36,643,000 | 38,228,000 | 36,010,000 |
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 | 4,024,000 | 8,081,000 | 12,279,000 | 16,583,000 |
| Interest expense | 645,000 | 1,292,000 | 1,983,000 | 2,655,000 |
| Net interest income | 3,379,000 | 6,789,000 | 10,296,000 | 13,928,000 |
| Noninterest income | 665,000 | 1,318,000 | 1,976,000 | 2,849,000 |
| Noninterest expense | 2,687,000 | 5,412,000 | 8,169,000 | 10,864,000 |
| Provision for loan losses | 1,000 | 4,000 | -222,000 | -237,000 |
| Pretax income | 1,355,000 | 2,689,000 | 4,094,000 | 5,902,000 |
| Income tax | 267,000 | 528,000 | 807,000 | 1,162,000 |
| Net income | 1,088,000 | 2,161,000 | 3,287,000 | 4,740,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,784,000 | 38,307,000 | 39,083,000 | 36,736,000 |