Call reports 2025
CAPON VALLEY BANK — 2025
What CAPON VALLEY BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 224,875,000 | 232,867,000 | 235,063,000 | 236,765,000 |
| Total loans | 159,924,000 | 159,633,000 | 169,880,000 | 174,793,000 |
| Allowance for loan losses | 1,927,000 | 1,961,000 | 2,038,000 | 1,987,000 |
| Securities available for sale | 36,391,000 | 36,842,000 | 35,207,000 | 35,468,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 201,724,000 | 209,343,000 | 210,464,000 | 211,644,000 |
| Interest-bearing deposits | 147,234,000 | 150,672,000 | 152,141,000 | 152,365,000 |
| Noninterest-bearing deposits | 54,490,000 | 58,671,000 | 58,323,000 | 59,279,000 |
| Equity capital | 20,475,000 | 20,904,000 | 21,599,000 | 22,137,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 2,968,000 | 6,060,000 | 9,325,000 | 12,725,000 |
| Interest expense | 730,000 | 1,488,000 | 2,261,000 | 3,002,000 |
| Net interest income | 2,238,000 | 4,572,000 | 7,064,000 | 9,723,000 |
| Noninterest income | 301,000 | 611,000 | 963,000 | 1,295,000 |
| Noninterest expense | 1,816,000 | 3,684,000 | 5,662,000 | 7,608,000 |
| Provision for loan losses | 80,000 | 148,000 | 244,000 | 206,000 |
| Pretax income | 643,000 | 1,351,000 | 2,121,000 | 3,005,000 |
| Income tax | 138,000 | 291,000 | 458,000 | 634,000 |
| Net income | 505,000 | 1,060,000 | 1,663,000 | 2,371,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,822,000 | 22,102,000 | 22,400,000 | 22,863,000 |