Call reports 2003
POCA VALLEY BANK, INC., THE — 2003
What POCA VALLEY BANK, INC., THE reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 205,793,000 | 201,449,000 | 199,128,000 | 203,328,000 |
| Total loans | 142,394,000 | 143,457,000 | 147,532,000 | 144,528,000 |
| Allowance for loan losses | 1,265,000 | 1,327,000 | 1,301,000 | 1,449,000 |
| Securities available for sale | 36,998,000 | 35,033,000 | 30,032,000 | 33,400,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 189,975,000 | 184,714,000 | 183,297,000 | 186,931,000 |
| Interest-bearing deposits | 167,944,000 | 162,854,000 | 160,812,000 | 163,516,000 |
| Noninterest-bearing deposits | 22,031,000 | 21,860,000 | 22,485,000 | 23,415,000 |
| Equity capital | 14,800,000 | 14,898,000 | 15,054,000 | 15,706,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 3,081,000 | 6,226,000 | 9,312,000 | 12,438,000 |
| Interest expense | 1,302,000 | 2,509,000 | 3,652,000 | 4,762,000 |
| Net interest income | 1,779,000 | 3,717,000 | 5,660,000 | 7,676,000 |
| Noninterest income | 359,000 | 764,000 | 1,228,000 | 1,625,000 |
| Noninterest expense | 1,450,000 | 2,998,000 | 4,543,000 | 6,293,000 |
| Provision for loan losses | 50,000 | 491,000 | 688,000 | 989,000 |
| Pretax income | 650,000 | 1,057,000 | 1,738,000 | 2,101,000 |
| Income tax | 175,000 | 297,000 | 496,000 | 611,000 |
| Net income | 475,000 | 760,000 | 1,242,000 | 1,490,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,244,000 | 14,300,000 | 14,582,000 | 15,108,000 |
| Total capital | 15,509,000 | 15,627,000 | 15,883,000 | 16,557,000 |
| Risk-weighted assets | 123,227,000 | 123,211,000 | 126,541,000 | 126,346,000 |