Call reports 2016
CAPON VALLEY BANK — 2016
What CAPON VALLEY BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 150,124,000 | 150,548,000 | 151,245,000 | 150,942,000 |
| Total loans | 117,042,000 | 114,712,000 | 117,758,000 | 119,293,000 |
| Allowance for loan losses | 1,524,000 | 1,428,000 | 1,356,000 | 1,177,000 |
| Securities available for sale | 16,160,000 | 16,705,000 | 15,395,000 | 13,965,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 129,720,000 | 129,936,000 | 130,530,000 | 129,653,000 |
| Interest-bearing deposits | 102,776,000 | 102,743,000 | 102,509,000 | 101,043,000 |
| Noninterest-bearing deposits | 26,944,000 | 27,193,000 | 28,021,000 | 28,610,000 |
| Equity capital | 16,184,000 | 16,449,000 | 16,599,000 | 16,670,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,718,000 | 3,432,000 | 5,154,000 | 6,907,000 |
| Interest expense | 176,000 | 350,000 | 518,000 | 685,000 |
| Net interest income | 1,542,000 | 3,082,000 | 4,636,000 | 6,222,000 |
| Noninterest income | 218,000 | 511,000 | 782,000 | 1,053,000 |
| Noninterest expense | 1,411,000 | 2,796,000 | 4,265,000 | 5,680,000 |
| Provision for loan losses | 2,000 | 3,000 | 7,000 | 82,000 |
| Pretax income | 347,000 | 794,000 | 1,146,000 | 1,513,000 |
| Income tax | 95,000 | 226,000 | 327,000 | 397,000 |
| Net income | 252,000 | 568,000 | 819,000 | 1,116,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,157,000 | 16,377,000 | 16,537,000 | 16,733,000 |
| Total capital | 17,458,000 | 17,672,000 | 17,851,000 | 17,910,000 |
| Risk-weighted assets | 103,887,000 | 103,458,000 | 105,064,000 | 105,900,000 |
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