Call reports 2007
CAPON VALLEY BANK — 2007
What CAPON VALLEY BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 139,813,000 | 138,824,000 | 140,347,000 | 139,841,000 |
| Total loans | 109,414,000 | 114,721,000 | 117,668,000 | 119,416,000 |
| Allowance for loan losses | 1,386,000 | 1,429,000 | 1,497,000 | 1,516,000 |
| Securities available for sale | 9,036,000 | 10,421,000 | 10,211,000 | 8,751,000 |
| Securities held to maturity | 170,000 | 170,000 | 170,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 119,572,000 | 118,652,000 | 119,892,000 | 119,645,000 |
| Interest-bearing deposits | 100,558,000 | 101,004,000 | 102,504,000 | 102,306,000 |
| Noninterest-bearing deposits | 19,014,000 | 17,648,000 | 17,388,000 | 17,339,000 |
| Equity capital | 13,244,000 | 13,444,000 | 13,741,000 | 14,072,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,518,000 | 5,127,000 | 7,788,000 | 10,500,000 |
| Interest expense | 989,000 | 2,016,000 | 3,079,000 | 4,143,000 |
| Net interest income | 1,529,000 | 3,111,000 | 4,709,000 | 6,357,000 |
| Noninterest income | 224,000 | 498,000 | 752,000 | 1,016,000 |
| Noninterest expense | 1,066,000 | 2,166,000 | 3,281,000 | 4,308,000 |
| Provision for loan losses | 53,000 | 101,000 | 126,000 | 172,000 |
| Pretax income | 634,000 | 1,342,000 | 2,054,000 | 2,893,000 |
| Income tax | 228,000 | 486,000 | 758,000 | 1,051,000 |
| Net income | 406,000 | 856,000 | 1,296,000 | 1,842,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,237,000 | 13,458,000 | 13,718,000 | 14,035,000 |
| Total capital | 14,460,000 | 14,725,000 | 15,014,000 | 15,334,000 |
| Risk-weighted assets | 97,689,000 | 101,179,000 | 103,484,000 | 103,742,000 |
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