Call reports 2025
VERGAS STATE BANK — 2025
What VERGAS STATE 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 | 54,033,000 | 55,743,000 | 59,061,000 | 58,729,000 |
| Total loans | 28,185,000 | 29,736,000 | 31,818,000 | 34,594,000 |
| Allowance for loan losses | 414,000 | 414,000 | 414,000 | 425,000 |
| Securities available for sale | 14,161,000 | 13,212,000 | 10,610,000 | 10,126,000 |
| Securities held to maturity | 1,556,000 | 1,556,000 | 1,687,000 | 1,524,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 45,836,000 | 47,345,000 | 50,336,000 | 49,920,000 |
| Interest-bearing deposits | 34,019,000 | 35,032,000 | 36,144,000 | 37,000,000 |
| Noninterest-bearing deposits | 11,817,000 | 12,313,000 | 14,192,000 | 12,920,000 |
| Equity capital | 8,001,000 | 8,245,000 | 8,513,000 | 8,564,000 |
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 | 650,000 | 1,354,000 | 2,100,000 | 2,907,000 |
| Interest expense | 179,000 | 358,000 | 553,000 | 754,000 |
| Net interest income | 471,000 | 996,000 | 1,547,000 | 2,153,000 |
| Noninterest income | 16,000 | 27,000 | 39,000 | 53,000 |
| Noninterest expense | 303,000 | 631,000 | 945,000 | 1,346,000 |
| Provision for loan losses | 0 | 0 | 0 | 66,000 |
| Pretax income | 184,000 | 395,000 | 648,000 | 801,000 |
| Income tax | 37,000 | 69,000 | 102,000 | 231,000 |
| Net income | 147,000 | 326,000 | 546,000 | 570,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,150,000 | 8,328,000 | 8,548,000 | 8,572,000 |