Call reports 2013
CAPON VALLEY BANK — 2013
What CAPON VALLEY BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 149,750,000 | 149,489,000 | 147,665,000 | 146,991,000 |
| Total loans | 110,284,000 | 109,743,000 | 109,099,000 | 111,039,000 |
| Allowance for loan losses | 2,501,000 | 2,630,000 | 2,195,000 | 2,116,000 |
| Securities available for sale | 18,414,000 | 20,105,000 | 19,637,000 | 18,670,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 132,181,000 | 131,570,000 | 129,534,000 | 128,491,000 |
| Interest-bearing deposits | 109,161,000 | 107,870,000 | 106,544,000 | 104,723,000 |
| Noninterest-bearing deposits | 23,020,000 | 23,700,000 | 22,990,000 | 23,768,000 |
| Equity capital | 14,145,000 | 14,197,000 | 14,407,000 | 14,672,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,722,000 | 3,441,000 | 5,175,000 | 6,861,000 |
| Interest expense | 270,000 | 526,000 | 764,000 | 993,000 |
| Net interest income | 1,452,000 | 2,915,000 | 4,411,000 | 5,868,000 |
| Noninterest income | 255,000 | 521,000 | 769,000 | 1,077,000 |
| Noninterest expense | 1,296,000 | 2,613,000 | 3,953,000 | 5,321,000 |
| Provision for loan losses | 202,000 | 353,000 | 431,000 | 434,000 |
| Pretax income | 209,000 | 470,000 | 796,000 | 1,190,000 |
| Income tax | 58,000 | 134,000 | 233,000 | 317,000 |
| Net income | 151,000 | 336,000 | 563,000 | 873,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,087,000 | 14,272,000 | 14,499,000 | 14,769,000 |
| Total capital | 15,418,000 | 15,609,000 | 15,809,000 | 16,097,000 |
| Risk-weighted assets | 105,321,000 | 105,634,000 | 103,897,000 | 105,442,000 |
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