Call reports 2005
CAPON VALLEY BANK — 2005
What CAPON VALLEY BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 128,666,000 | 132,507,000 | 132,888,000 | 131,653,000 |
| Total loans | 108,575,000 | 108,617,000 | 108,150,000 | 109,004,000 |
| Allowance for loan losses | 1,194,000 | 1,249,000 | 1,291,000 | 1,331,000 |
| Securities available for sale | 8,851,000 | 8,852,000 | 8,853,000 | 9,561,000 |
| Securities held to maturity | 690,000 | 690,000 | 490,000 | 490,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 109,457,000 | 111,650,000 | 112,218,000 | 111,248,000 |
| Interest-bearing deposits | 94,718,000 | 95,228,000 | 95,729,000 | 94,684,000 |
| Noninterest-bearing deposits | 14,739,000 | 16,422,000 | 16,489,000 | 16,564,000 |
| Equity capital | 11,080,000 | 11,265,000 | 11,421,000 | 11,669,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,976,000 | 4,064,000 | 6,244,000 | 8,490,000 |
| Interest expense | 597,000 | 1,241,000 | 1,938,000 | 2,657,000 |
| Net interest income | 1,379,000 | 2,823,000 | 4,306,000 | 5,833,000 |
| Noninterest income | 165,000 | 377,000 | 580,000 | 816,000 |
| Noninterest expense | 949,000 | 1,872,000 | 2,856,000 | 3,879,000 |
| Provision for loan losses | 105,000 | 195,000 | 285,000 | 350,000 |
| Pretax income | 490,000 | 1,133,000 | 1,745,000 | 2,420,000 |
| Income tax | 171,000 | 400,000 | 612,000 | 817,000 |
| Net income | 319,000 | 733,000 | 1,133,000 | 1,603,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,120,000 | 11,291,000 | 11,446,000 | 11,709,000 |
| Total capital | 12,314,000 | 12,500,000 | 12,639,000 | 12,910,000 |
| Risk-weighted assets | 96,719,000 | 96,570,000 | 95,323,000 | 95,951,000 |
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