Call reports 2003
CAPON VALLEY BANK — 2003
What CAPON VALLEY BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 132,512,000 | 133,364,000 | 131,201,000 | 126,486,000 |
| Total loans | 97,716,000 | 97,225,000 | 98,749,000 | 95,869,000 |
| Allowance for loan losses | 846,000 | 1,177,000 | 1,100,000 | 1,124,000 |
| Securities available for sale | 11,604,000 | 12,373,000 | 14,277,000 | 14,323,000 |
| Securities held to maturity | 894,000 | 894,000 | 893,000 | 893,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 120,023,000 | 120,966,000 | 118,730,000 | 114,007,000 |
| Interest-bearing deposits | 106,756,000 | 107,608,000 | 105,580,000 | 101,871,000 |
| Noninterest-bearing deposits | 13,268,000 | 13,358,000 | 13,150,000 | 12,136,000 |
| Equity capital | 9,628,000 | 9,720,000 | 9,965,000 | 9,593,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,981,000 | 3,980,000 | 5,981,000 | 7,895,000 |
| Interest expense | 863,000 | 1,690,000 | 2,451,000 | 3,133,000 |
| Net interest income | 1,118,000 | 2,290,000 | 3,530,000 | 4,762,000 |
| Noninterest income | 158,000 | 313,000 | 475,000 | 640,000 |
| Noninterest expense | 844,000 | 1,681,000 | 2,593,000 | 3,562,000 |
| Provision for loan losses | 90,000 | 475,000 | 570,000 | 1,190,000 |
| Pretax income | 342,000 | 447,000 | 842,000 | 652,000 |
| Income tax | 116,000 | 143,000 | 280,000 | 177,000 |
| Net income | 226,000 | 304,000 | 562,000 | 475,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,568,000 | 9,643,000 | 9,904,000 | 9,535,000 |
| Total capital | 10,414,000 | 10,815,000 | 11,004,000 | 10,651,000 |
| Risk-weighted assets | 93,133,000 | 93,727,000 | 94,133,000 | 89,271,000 |
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