Call reports 2025
VALLIANCE BANK — 2025
What VALLIANCE 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 | 725,068,000 | 753,658,000 | 761,243,000 | 803,174,000 |
| Total loans | 611,180,000 | 628,538,000 | 619,583,000 | 673,358,000 |
| Allowance for loan losses | 6,820,000 | 7,596,000 | 7,623,000 | 7,586,000 |
| Securities available for sale | 47,542,000 | 52,944,000 | 57,098,000 | 61,157,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 614,372,000 | 619,013,000 | 624,976,000 | 689,057,000 |
| Interest-bearing deposits | 472,433,000 | 462,076,000 | 467,158,000 | 516,964,000 |
| Noninterest-bearing deposits | 141,939,000 | 156,937,000 | 157,818,000 | 172,093,000 |
| Equity capital | 66,002,000 | 67,933,000 | 77,453,000 | 79,297,000 |
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 | 10,645,000 | 23,493,000 | 44,529,000 | 56,720,000 |
| Interest expense | 4,274,000 | 8,649,000 | 13,047,000 | 17,308,000 |
| Net interest income | 6,371,000 | 14,844,000 | 31,482,000 | 39,412,000 |
| Noninterest income | 447,000 | 1,037,000 | 1,484,000 | 1,920,000 |
| Noninterest expense | 5,166,000 | 10,469,000 | 20,775,000 | 22,372,000 |
| Provision for loan losses | 245,000 | 1,000,000 | 1,016,000 | 1,573,000 |
| Pretax income | 1,517,000 | 4,562,000 | 11,250,000 | 17,389,000 |
| Income tax | -1,165,000 | -280,000 | -2,282,000 | 2,012,000 |
| Net income | 2,682,000 | 4,842,000 | 13,532,000 | 15,377,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 68,815,000 | 70,784,000 | 79,284,000 | 80,941,000 |