Call reports 2025
NINNESCAH VALLEY BANK — 2025
What NINNESCAH 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 | 42,883,000 | 42,230,000 | 42,319,000 | 40,513,000 |
| Total loans | 16,501,000 | 17,550,000 | 17,539,000 | 16,728,000 |
| Allowance for loan losses | 255,000 | 266,000 | 349,000 | 349,000 |
| Securities available for sale | 21,403,000 | 21,107,000 | 22,077,000 | 22,337,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 39,781,000 | 39,010,000 | 38,111,000 | 36,490,000 |
| Interest-bearing deposits | 22,919,000 | 23,043,000 | 22,249,000 | 21,765,000 |
| Noninterest-bearing deposits | 16,862,000 | 15,967,000 | 15,862,000 | 14,725,000 |
| Equity capital | 2,982,000 | 3,048,000 | 3,637,000 | 3,747,000 |
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 | 498,000 | 1,014,000 | 1,535,000 | 2,033,000 |
| Interest expense | 104,000 | 205,000 | 309,000 | 405,000 |
| Net interest income | 394,000 | 809,000 | 1,226,000 | 1,628,000 |
| Noninterest income | 13,000 | 30,000 | 45,000 | 57,000 |
| Noninterest expense | 266,000 | 538,000 | 800,000 | 1,105,000 |
| Provision for loan losses | 42,000 | 52,000 | 136,000 | 136,000 |
| Pretax income | 99,000 | 243,000 | 317,000 | 426,000 |
| Income tax | 8,000 | 7,000 | 14,000 | 19,000 |
| Net income | 91,000 | 236,000 | 303,000 | 407,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,095,000 | 5,241,000 | 5,232,000 | 5,211,000 |