Call reports 2002
POCA VALLEY BANK, INC., THE — 2002
What POCA VALLEY BANK, INC., THE reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 183,861,000 | 188,272,000 | 194,437,000 | 199,522,000 |
| Total loans | 129,495,000 | 134,784,000 | 138,487,000 | 141,118,000 |
| Allowance for loan losses | 1,147,000 | 1,186,000 | 1,269,000 | 1,306,000 |
| Securities available for sale | 35,596,000 | 33,287,000 | 34,149,000 | 36,504,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 169,192,000 | 173,527,000 | 178,997,000 | 184,307,000 |
| Interest-bearing deposits | 149,885,000 | 153,728,000 | 159,220,000 | 164,599,000 |
| Noninterest-bearing deposits | 19,307,000 | 19,799,000 | 19,777,000 | 19,708,000 |
| Equity capital | 13,623,000 | 13,969,000 | 14,303,000 | 14,470,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 3,081,000 | 6,218,000 | 9,475,000 | 12,673,000 |
| Interest expense | 1,476,000 | 2,943,000 | 4,393,000 | 5,799,000 |
| Net interest income | 1,605,000 | 3,275,000 | 5,082,000 | 6,874,000 |
| Noninterest income | 338,000 | 687,000 | 1,042,000 | 1,528,000 |
| Noninterest expense | 1,175,000 | 2,428,000 | 3,730,000 | 5,123,000 |
| Provision for loan losses | 85,000 | 165,000 | 320,000 | 490,000 |
| Pretax income | 683,000 | 1,373,000 | 2,107,000 | 2,822,000 |
| Income tax | 234,000 | 464,000 | 705,000 | 919,000 |
| Net income | 449,000 | 909,000 | 1,402,000 | 1,903,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,283,000 | 13,492,000 | 13,800,000 | 13,868,000 |
| Total capital | 14,430,000 | 14,678,000 | 15,069,000 | 15,174,000 |
| Risk-weighted assets | 108,822,000 | 113,239,000 | 115,907,000 | 119,501,000 |