The Capon Valley Bank in Wardensville, West Virginia (WV), VA
Overview, Financial Summary, Detailed Financial Reports, Branches


  • The Capon Valley Bank in Wardensville, West Virginia (WV), VA
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The Capon Valley Bank - Overview

  • General
  • FDIC Certificate #: 9998
    Status: Active
    Federal Reserve ID: 18836
    Bank Holding Company (Regulatory Top Holder): Highlands Bankshares, Inc. (RSSDID: 1131750, Location: Petersburg, WV)
    Date Established: July 01, 1918
    WWW: http://www.caponvalleybank.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 5 (Domestic: 5, Interstate: Yes)
    OTS Docket #: 12053
    FDIC's unique #: 6391
    Numeric code: 13
    Regulator: FED
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: All Other Specialization < 1 Billion
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 2 W. Main Street, Wardensville, WV 26851
    County: Hardy
    Quarterly Banking Profile Region: Atlanta
    FDIC Geographic Region: Atlanta
    FDIC Supervisory Region: Atlanta
    FDIC Field Office: Scott Depot
    Office of the Comptroller the Currency (OCC) District: Northeast
    Office of Thrift Supervision Region: Northeast
  • History of Changes
  • Change in Location
    Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $154.5 mil
    Equity capital: $13.3 mil
    Deposits held in domestic offices: $136.8 mil
    Return on assets (ROA): 0.12% ($0.2 mil)
    Quarterly return on assets: -0.48% (-$0.7 mil)
    Return on Equity (ROE): 1.43% ($0.2 mil)
    Quarterly return on equity: -5.54% (-$0.7 mil)
    Net income: $0.2 mil
    Quarterly Net income: -$0.2 mil
    Pretax return on assets: 0.11% ($169.9 mil)
    Quarterly Pretax return on assets: -0.91% (-$1,405.6 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

  • Dollar figures in thousands
  • 48Total employees (full-time equivalent)
  • $154,459Total assets
  • $7,656Cash and due from depository institutions
  • $3,530Interest-bearing balances
  • $14,126Securities
  • $4,075Federal funds sold & reverse repurchase agreements
  • $114,338Net loans & leases
  • $2,316Loan loss allowance
  • $0Trading account assets
  • $4,475Bank premises and fixed assets
  • $3,422Other real estate owned
  • $0Goodwill and other intangibles
  • $154,459Life insurance assets
  • $6,367All other assets
  • $141,125Total liabilities and capital
  • $136,794Total liabilities
  • $116,857Total deposits
  • $136,794Interest-bearing deposits
  • $98Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $2,829Trading liabilities
  • $0Other borrowed funds
  • $1,502Subordinated debt
  • $13,334All other liabilities
  • $13,334Total equity capital
  • $13,334Total bank equity capital
  • $0Perpetual preferred stock
  • $180Common stock
  • $1,676Surplus
  • $11,478Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,876Income earned, not collected on loans
  • $0Earning assets
  • $644Long-term assets (5+ years)
  • $136,069Average Assets, year-to-date
  • $42,289Average Assets, quarterly
  • $156,572Volatile liabilities
  • $155,785Insider loans
  • $111,105FHLB advances
  • $155,495Loans and leases held for sale
  • $2,995Unused loan commitments
  • $2,995Tier 1 (core) risk-based capital
  • $13,219Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $4,275Restructured Loans and leases
  • $3,117Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $8,145Total interest income
  • $1,983Total interest expense
  • $6,162Net interest income
  • $958Provision for loan and lease losses
  • $240Total noninterest income
  • $0Fiduciary activities
  • $544Service charges on deposit accounts
  • $0Trading account gains & fees
  • -$304Additional noninterest income
  • $5,285Total noninterest expense
  • $2,649Salaries and employee benefits
  • $722Premises and equipment expense
  • $1,914Additional noninterest expense
  • $159Pre-tax net operating income
  • $14Securities gains (losses)
  • -$17Applicable income taxes
  • $190Income before extraordinary items
  • $0Extraordinary gains - net
  • $190Net income attributable to bank
  • $0Net charge-offs
  • $190Cash dividends
  • $1,007Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.87%Yield on earning assets
  • 1.43%Cost of funding earning assets
  • 4.44%Net interest margin
  • 0.17%Noninterest income to earning assets
  • 3.81%Noninterest expense to earning assets
  • 0.11%Net operating income to assets
  • 0.12%Return on assets (ROA)
  • 0.11%Pretax return on assets
  • 1.43%Return on equity (ROE)
  • 1.43%Retained earnings to average equity (YTD only)
  • 0.84%Net charge-offs to loans
  • 95.13%Credit loss provision to net charge-offs
  • 1.11%Efficiency ratio
  • 82,552Assets per employee
  • 3.22%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.99%Loss allowance to noncurrent loans
  • 123.45%Noncurrent assets plus other real estate owned to assets
  • 3.43%Noncurrent loans to loans
  • 1.61%Net loans and leases to deposits
  • 83.58%Net loans and leases to core deposits
  • 88.78%Equity capital to assets
  • 8.63%Core capital (leverage) ratio
  • 8.50%Tier 1 risk-based capital ratio
  • 11.90%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $156,572Average earning assets
  • $13,313Average equity
  • $138,651Average loans

List of branches

  • 2 Virginia Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    3360589Western Frederick Branch6701 Northwestern Pike, Gore, VA 22637June 25, 2001Full Service Brick and Mortar
    4521947Capon Valley Bank - Stephens City Br5511 South Main Street, Stephens City, VA 22655September 01, 2010Full Service Brick and Mortar
  • 3 West Virginia Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    06391The Capon Valley Bank2 W. Main Street, Wardensville, WV 26851July 01, 1918Full Service Brick and Mortar
    1221674Moorefield Branch717 North Main Street, Moorefield, WV 26836May 01, 1986Full Service Brick and Mortar
    2221675Baker Branch17558 Sr 55, Baker, WV 26801May 27, 1997Full Service Brick and Mortar

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