Call reports 2025
UNITED VALLEY BANK — 2025
What UNITED 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 | 672,059,000 | 687,385,000 | 700,401,000 | 722,777,000 |
| Total loans | 476,869,000 | 493,018,000 | 502,572,000 | 514,107,000 |
| Allowance for loan losses | 6,442,000 | 5,925,000 | 5,927,000 | 6,059,000 |
| Securities available for sale | 116,620,000 | 115,449,000 | 116,050,000 | 119,338,000 |
| Securities held to maturity | 103,000 | 616,000 | 100,000 | 98,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 594,482,000 | 581,052,000 | 583,269,000 | 609,904,000 |
| Interest-bearing deposits | 496,911,000 | 496,526,000 | 502,995,000 | 511,707,000 |
| Noninterest-bearing deposits | 97,571,000 | 84,526,000 | 80,274,000 | 98,197,000 |
| Equity capital | 70,510,000 | 73,778,000 | 76,068,000 | 77,776,000 |
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 | 8,262,000 | 17,054,000 | 26,148,000 | 35,363,000 |
| Interest expense | 3,019,000 | 5,998,000 | 9,314,000 | 12,658,000 |
| Net interest income | 5,243,000 | 11,056,000 | 16,834,000 | 22,705,000 |
| Noninterest income | 263,000 | 765,000 | 1,035,000 | 1,559,000 |
| Noninterest expense | 3,639,000 | 7,484,000 | 11,342,000 | 15,365,000 |
| Provision for loan losses | 80,000 | -420,000 | -420,000 | -290,000 |
| Pretax income | 1,772,000 | 4,801,000 | 6,949,000 | 9,228,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,772,000 | 4,801,000 | 6,949,000 | 9,228,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 70,967,000 | 73,136,000 | 74,250,000 | 75,316,000 |
| Total capital | 77,409,000 | 79,061,000 | — | — |
| Risk-weighted assets | 516,309,000 | 527,956,000 | — | — |