Call reports 2025
SAN LUIS VALLEY FEDERAL BANK — 2025
What SAN LUIS VALLEY FEDERAL 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 | 378,835,000 | 372,978,000 | 379,255,000 | 393,078,000 |
| Total loans | 262,416,000 | 265,543,000 | 273,471,000 | 280,988,000 |
| Allowance for loan losses | 2,578,000 | 2,670,000 | 2,820,000 | 2,900,000 |
| Securities available for sale | 77,887,000 | 79,656,000 | 78,532,000 | 75,907,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 313,221,000 | 304,744,000 | 304,843,000 | 323,507,000 |
| Interest-bearing deposits | 244,262,000 | 232,675,000 | 231,490,000 | 247,366,000 |
| Noninterest-bearing deposits | 68,959,000 | 72,069,000 | 73,353,000 | 76,141,000 |
| Equity capital | 59,649,000 | 60,626,000 | 63,266,000 | 64,837,000 |
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 | 4,093,000 | 8,290,000 | 12,645,000 | 17,085,000 |
| Interest expense | 261,000 | 528,000 | 863,000 | 1,257,000 |
| Net interest income | 3,832,000 | 7,762,000 | 11,782,000 | 15,828,000 |
| Noninterest income | 687,000 | 1,403,000 | 2,121,000 | 2,812,000 |
| Noninterest expense | 3,203,000 | 6,443,000 | 9,627,000 | 12,747,000 |
| Provision for loan losses | -19,000 | 81,000 | 231,000 | 311,000 |
| Pretax income | 1,316,000 | 2,608,000 | 4,010,000 | 5,579,000 |
| Income tax | 288,000 | 565,000 | 866,000 | 1,214,000 |
| Net income | 1,028,000 | 2,043,000 | 3,144,000 | 4,365,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 65,660,000 | 66,675,000 | 67,777,000 | 68,997,000 |
| Total capital | 68,439,000 | 69,560,000 | 70,689,000 | 72,048,000 |
| Risk-weighted assets | 229,004,000 | 236,537,000 | 232,874,000 | 244,041,000 |