Call reports 2025
SPRING VALLEY CITY BANK — 2025
What SPRING VALLEY CITY 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 | 205,511,000 | 205,168,000 | 204,765,000 | 214,142,000 |
| Total loans | 133,358,000 | 127,291,000 | 126,279,000 | 128,727,000 |
| Allowance for loan losses | 2,425,000 | 1,343,000 | 1,409,000 | 1,556,000 |
| Securities available for sale | 54,394,000 | 59,595,000 | 60,076,000 | 61,976,000 |
| Securities held to maturity | 24,000 | 24,000 | 24,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 175,951,000 | 175,647,000 | 173,952,000 | 183,218,000 |
| Interest-bearing deposits | 141,910,000 | 143,184,000 | 144,564,000 | 145,535,000 |
| Noninterest-bearing deposits | 34,041,000 | 32,463,000 | 29,388,000 | 37,683,000 |
| Equity capital | 24,523,000 | 24,760,000 | 25,997,000 | 26,062,000 |
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 | 2,139,000 | 4,361,000 | 6,577,000 | 8,826,000 |
| Interest expense | 784,000 | 1,530,000 | 2,243,000 | 2,934,000 |
| Net interest income | 1,355,000 | 2,831,000 | 4,334,000 | 5,892,000 |
| Noninterest income | 92,000 | 184,000 | 275,000 | 373,000 |
| Noninterest expense | 1,136,000 | 2,239,000 | 3,381,000 | 4,529,000 |
| Provision for loan losses | 0 | 67,000 | 97,000 | 242,000 |
| Pretax income | 311,000 | 709,000 | 1,131,000 | 1,494,000 |
| Income tax | 58,000 | 120,000 | 200,000 | 256,000 |
| Net income | 253,000 | 589,000 | 931,000 | 1,238,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,228,000 | 29,123,000 | 29,466,000 | 29,299,000 |
| Total capital | 30,842,000 | 30,466,000 | 30,875,000 | 30,855,000 |
| Risk-weighted assets | 128,271,000 | 123,349,000 | 121,641,000 | 126,053,000 |