Call reports 2025
VALLEY CENTRAL BANK — 2025
What VALLEY CENTRAL 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 | 181,497,000 | 182,804,000 | 182,656,000 | 186,846,000 |
| Total loans | 152,889,000 | 145,984,000 | 140,452,000 | 142,771,000 |
| Allowance for loan losses | 1,779,000 | 1,779,000 | 1,780,000 | 1,792,000 |
| Securities available for sale | 11,100,000 | 10,492,000 | 12,990,000 | 12,858,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 134,904,000 | 136,640,000 | 138,140,000 | 146,271,000 |
| Interest-bearing deposits | 109,994,000 | 111,852,000 | 115,860,000 | 122,121,000 |
| Noninterest-bearing deposits | 24,910,000 | 24,788,000 | 22,280,000 | 24,150,000 |
| Equity capital | 37,172,000 | 37,425,000 | 37,713,000 | 37,844,000 |
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 | 2,275,000 | 4,636,000 | 7,030,000 | 9,358,000 |
| Interest expense | 834,000 | 1,714,000 | 2,660,000 | 3,574,000 |
| Net interest income | 1,441,000 | 2,922,000 | 4,370,000 | 5,784,000 |
| Noninterest income | 140,000 | 351,000 | 595,000 | 732,000 |
| Noninterest expense | 1,347,000 | 2,825,000 | 4,264,000 | 5,751,000 |
| Provision for loan losses | 0 | 0 | 0 | 12,000 |
| Pretax income | 234,000 | 448,000 | 701,000 | 765,000 |
| Income tax | 41,000 | 77,000 | 122,000 | 122,000 |
| Net income | 193,000 | 371,000 | 579,000 | 643,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,206,000 | 37,394,000 | 37,613,000 | 37,686,000 |