Call reports 2004
POCA VALLEY BANK, INC., THE — 2004
What POCA VALLEY BANK, INC., THE reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 200,118,000 | 201,496,000 | 206,402,000 | 207,256,000 |
| Total loans | 148,072,000 | 151,078,000 | 155,236,000 | 156,075,000 |
| Allowance for loan losses | 1,462,000 | 1,466,000 | 1,471,000 | 1,421,000 |
| Securities available for sale | 31,113,000 | 25,912,000 | 29,882,000 | 31,229,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 183,112,000 | 184,657,000 | 188,978,000 | 188,992,000 |
| Interest-bearing deposits | 159,339,000 | 160,182,000 | 163,137,000 | 163,362,000 |
| Noninterest-bearing deposits | 23,773,000 | 24,475,000 | 25,841,000 | 25,630,000 |
| Equity capital | 16,328,000 | 16,112,000 | 16,620,000 | 16,771,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 3,065,000 | 6,133,000 | 9,290,000 | 12,511,000 |
| Interest expense | 1,068,000 | 2,077,000 | 3,130,000 | 4,199,000 |
| Net interest income | 1,997,000 | 4,056,000 | 6,160,000 | 8,312,000 |
| Noninterest income | 303,000 | 762,000 | 1,246,000 | 1,679,000 |
| Noninterest expense | 1,654,000 | 3,297,000 | 4,901,000 | 6,705,000 |
| Provision for loan losses | 115,000 | 165,000 | 507,000 | 597,000 |
| Pretax income | 588,000 | 1,438,000 | 2,087,000 | 2,779,000 |
| Income tax | 173,000 | 465,000 | 679,000 | 880,000 |
| Net income | 415,000 | 973,000 | 1,408,000 | 1,899,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,678,000 | 15,637,000 | 16,143,000 | 16,316,000 |
| Total capital | 17,140,000 | 17,103,000 | 17,614,000 | 17,737,000 |
| Risk-weighted assets | 130,686,000 | 133,626,000 | 134,852,000 | 134,510,000 |