Call reports 2001
POCA VALLEY BANK, INC., THE — 2001
What POCA VALLEY BANK, INC., THE reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 158,709,000 | 163,715,000 | 173,468,000 | 175,910,000 |
| Total loans | 116,968,000 | 120,375,000 | 123,087,000 | 127,571,000 |
| Allowance for loan losses | 920,000 | 947,000 | 1,006,000 | 1,096,000 |
| Securities available for sale | 21,026,000 | 25,081,000 | 32,190,000 | 33,572,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 142,016,000 | 150,206,000 | 159,188,000 | 162,065,000 |
| Interest-bearing deposits | 126,716,000 | 134,355,000 | 141,687,000 | 142,565,000 |
| Noninterest-bearing deposits | 15,300,000 | 15,851,000 | 17,501,000 | 19,500,000 |
| Equity capital | 12,793,000 | 12,859,000 | 13,397,000 | 13,222,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 3,110,000 | 6,240,000 | 9,504,000 | 12,671,000 |
| Interest expense | 1,639,000 | 3,313,000 | 5,005,000 | 6,632,000 |
| Net interest income | 1,471,000 | 2,927,000 | 4,499,000 | 6,039,000 |
| Noninterest income | 224,000 | 479,000 | 730,000 | 1,035,000 |
| Noninterest expense | 1,157,000 | 2,265,000 | 3,438,000 | 4,699,000 |
| Provision for loan losses | 70,000 | 135,000 | 260,000 | 425,000 |
| Pretax income | 481,000 | 1,073,000 | 1,644,000 | 2,109,000 |
| Income tax | 155,000 | 344,000 | 545,000 | 645,000 |
| Net income | 326,000 | 729,000 | 1,099,000 | 1,464,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,518,000 | 12,528,000 | 13,000,000 | 12,853,000 |
| Total capital | 13,438,000 | 13,475,000 | 14,006,000 | 13,949,000 |
| Risk-weighted assets | 99,810,000 | 102,211,000 | 104,899,000 | 107,048,000 |