Call reports 2008
CAPON VALLEY BANK — 2008
What CAPON VALLEY BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 144,518,000 | 145,120,000 | 143,011,000 | 145,915,000 |
| Total loans | 121,500,000 | 124,223,000 | 123,612,000 | 125,900,000 |
| Allowance for loan losses | 1,533,000 | 1,542,000 | 1,535,000 | 1,531,000 |
| Securities available for sale | 5,411,000 | 9,533,000 | 8,980,000 | 8,841,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 123,813,000 | 126,051,000 | 121,408,000 | 123,537,000 |
| Interest-bearing deposits | 106,267,000 | 108,211,000 | 104,349,000 | 105,621,000 |
| Noninterest-bearing deposits | 17,546,000 | 17,840,000 | 17,059,000 | 17,916,000 |
| Equity capital | 14,144,000 | 13,075,000 | 13,021,000 | 13,271,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 2,637,000 | 5,239,000 | 7,818,000 | 10,326,000 |
| Interest expense | 1,036,000 | 1,980,000 | 2,857,000 | 3,738,000 |
| Net interest income | 1,601,000 | 3,259,000 | 4,961,000 | 6,588,000 |
| Noninterest income | 259,000 | 573,000 | 874,000 | 1,230,000 |
| Noninterest expense | 1,114,000 | 2,254,000 | 3,388,000 | 4,635,000 |
| Provision for loan losses | 54,000 | 145,000 | 254,000 | 401,000 |
| Pretax income | 740,000 | 1,485,000 | 2,244,000 | 2,833,000 |
| Income tax | 271,000 | 543,000 | 797,000 | 996,000 |
| Net income | 469,000 | 942,000 | 1,447,000 | 1,837,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,097,000 | 13,122,000 | 13,002,000 | 13,159,000 |
| Total capital | 15,432,000 | 14,497,000 | 14,398,000 | 14,588,000 |
| Risk-weighted assets | 106,563,000 | 109,827,000 | 111,573,000 | 114,206,000 |
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