Call reports 2025
BANK OF THE VALLEY — 2025
What BANK OF THE VALLEY 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 | 537,792,000 | 546,420,000 | 544,190,000 | 542,866,000 |
| Total loans | 428,834,000 | 435,517,000 | 434,300,000 | 435,860,000 |
| Allowance for loan losses | 6,110,000 | 6,442,000 | 6,419,000 | 6,234,000 |
| Securities available for sale | 67,122,000 | 67,869,000 | 68,753,000 | 68,194,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 462,874,000 | 464,595,000 | 463,269,000 | 456,405,000 |
| Interest-bearing deposits | 410,705,000 | 416,338,000 | 418,898,000 | 405,671,000 |
| Noninterest-bearing deposits | 52,169,000 | 48,257,000 | 44,371,000 | 50,734,000 |
| Equity capital | 48,185,000 | 47,865,000 | 49,663,000 | 50,482,000 |
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 | 7,965,000 | 16,299,000 | 24,847,000 | 33,211,000 |
| Interest expense | 3,632,000 | 7,330,000 | 11,033,000 | 14,498,000 |
| Net interest income | 4,333,000 | 8,969,000 | 13,814,000 | 18,713,000 |
| Noninterest income | 249,000 | 491,000 | 799,000 | 1,052,000 |
| Noninterest expense | 3,791,000 | 7,502,000 | 11,360,000 | 15,264,000 |
| Provision for loan losses | -435,000 | -39,000 | -110,000 | -294,000 |
| Pretax income | 1,223,000 | 1,996,000 | 3,341,000 | 4,776,000 |
| Income tax | 242,000 | 372,000 | 657,000 | 954,000 |
| Net income | 981,000 | 1,624,000 | 2,684,000 | 3,822,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 50,756,000 | 50,685,000 | 51,797,000 | 52,225,000 |
| Total capital | 56,247,000 | 56,282,000 | 57,397,000 | 57,819,000 |
| Risk-weighted assets | 438,665,000 | 446,946,000 | 447,182,000 | 446,887,000 |