Call reports 2005
POCA VALLEY BANK, INC., THE — 2005
What POCA VALLEY BANK, INC., THE reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 208,561,000 | 213,428,000 | 213,798,000 | 219,012,000 |
| Total loans | 155,781,000 | 155,630,000 | 162,047,000 | 162,875,000 |
| Allowance for loan losses | 1,378,000 | 1,403,000 | 1,493,000 | 1,448,000 |
| Securities available for sale | 27,076,000 | 30,409,000 | 29,004,000 | 26,021,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 189,601,000 | 194,259,000 | 192,289,000 | 197,542,000 |
| Interest-bearing deposits | 164,735,000 | 168,963,000 | 165,185,000 | 167,662,000 |
| Noninterest-bearing deposits | 24,866,000 | 25,296,000 | 27,104,000 | 29,880,000 |
| Equity capital | 17,246,000 | 17,516,000 | 18,138,000 | 18,686,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 3,228,000 | 6,572,000 | 10,083,000 | 13,856,000 |
| Interest expense | 1,060,000 | 2,173,000 | 3,324,000 | 4,522,000 |
| Net interest income | 2,168,000 | 4,399,000 | 6,759,000 | 9,334,000 |
| Noninterest income | 403,000 | 865,000 | 1,385,000 | 1,985,000 |
| Noninterest expense | 1,699,000 | 3,489,000 | 5,280,000 | 7,259,000 |
| Provision for loan losses | 123,000 | 216,000 | 301,000 | 436,000 |
| Pretax income | 746,000 | 1,556,000 | 2,560,000 | 3,621,000 |
| Income tax | 230,000 | 505,000 | 876,000 | 1,261,000 |
| Net income | 516,000 | 1,051,000 | 1,684,000 | 2,360,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,808,000 | 17,030,000 | 17,626,000 | 18,193,000 |
| Total capital | 18,186,000 | 18,433,000 | 19,119,000 | 19,641,000 |
| Risk-weighted assets | 134,519,000 | 135,617,000 | 142,645,000 | 145,464,000 |