Call reports 2025
VALLEY STATE BANK — 2025
What VALLEY STATE 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 | 147,688,000 | 149,226,000 | 157,679,000 | 164,895,000 |
| Total loans | 81,733,000 | 80,499,000 | 84,161,000 | 85,698,000 |
| Allowance for loan losses | 1,922,000 | 1,806,000 | 2,019,000 | 2,080,000 |
| Securities available for sale | 48,435,000 | 50,000,000 | 53,387,000 | 63,356,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 120,588,000 | 121,472,000 | 128,970,000 | 135,402,000 |
| Interest-bearing deposits | 98,859,000 | 98,806,000 | 100,649,000 | 111,525,000 |
| Noninterest-bearing deposits | 21,729,000 | 22,666,000 | 28,321,000 | 23,877,000 |
| Equity capital | 26,696,000 | 27,049,000 | 28,174,000 | 28,791,000 |
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 | 1,902,000 | 3,860,000 | 5,916,000 | 8,067,000 |
| Interest expense | 504,000 | 1,012,000 | 1,541,000 | 2,175,000 |
| Net interest income | 1,398,000 | 2,848,000 | 4,375,000 | 5,892,000 |
| Noninterest income | 93,000 | 189,000 | 284,000 | 386,000 |
| Noninterest expense | 947,000 | 1,891,000 | 2,838,000 | 3,801,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 240,000 |
| Pretax income | 484,000 | 1,026,000 | 1,642,000 | 2,238,000 |
| Income tax | 99,000 | 215,000 | 351,000 | 470,000 |
| Net income | 385,000 | 811,000 | 1,291,000 | 1,768,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,922,000 | 30,349,000 | 30,829,000 | 31,305,000 |