Call reports 2015
CAPON VALLEY BANK — 2015
What CAPON VALLEY BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 152,254,000 | 149,427,000 | 148,013,000 | 148,948,000 |
| Total loans | 112,205,000 | 111,998,000 | 111,597,000 | 115,298,000 |
| Allowance for loan losses | 1,648,000 | 1,630,000 | 1,552,000 | 1,539,000 |
| Securities available for sale | 15,926,000 | 18,533,000 | 17,790,000 | 16,597,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 132,294,000 | 129,490,000 | 127,801,000 | 128,613,000 |
| Interest-bearing deposits | 106,879,000 | 104,112,000 | 103,096,000 | 102,127,000 |
| Noninterest-bearing deposits | 25,415,000 | 25,378,000 | 24,705,000 | 26,486,000 |
| Equity capital | 15,498,000 | 15,661,000 | 15,902,000 | 15,989,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,679,000 | 3,358,000 | 5,052,000 | 6,781,000 |
| Interest expense | 191,000 | 378,000 | 562,000 | 749,000 |
| Net interest income | 1,488,000 | 2,980,000 | 4,490,000 | 6,032,000 |
| Noninterest income | 233,000 | 461,000 | 721,000 | 961,000 |
| Noninterest expense | 1,359,000 | 2,718,000 | 4,089,000 | 5,519,000 |
| Provision for loan losses | 2,000 | -4,000 | -3,000 | -1,000 |
| Pretax income | 360,000 | 727,000 | 1,125,000 | 1,477,000 |
| Income tax | 101,000 | 200,000 | 310,000 | 423,000 |
| Net income | 259,000 | 527,000 | 815,000 | 1,054,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,488,000 | 15,677,000 | 15,889,000 | 16,012,000 |
| Total capital | 16,824,000 | 16,943,000 | 17,158,000 | 17,308,000 |
| Risk-weighted assets | 106,639,000 | 100,943,000 | 101,241,000 | 103,453,000 |