Call reports 2006
POCA VALLEY BANK, INC., THE — 2006
What POCA VALLEY BANK, INC., THE reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 226,353,000 | 227,336,000 | 232,774,000 | 241,450,000 |
| Total loans | 166,742,000 | 173,756,000 | 171,813,000 | 167,779,000 |
| Allowance for loan losses | 1,490,000 | 1,859,000 | 1,784,000 | 1,947,000 |
| Securities available for sale | 27,635,000 | 27,176,000 | 26,937,000 | 29,790,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 204,470,000 | 204,600,000 | 209,981,000 | 219,173,000 |
| Interest-bearing deposits | 173,310,000 | 173,233,000 | 175,456,000 | 177,102,000 |
| Noninterest-bearing deposits | 31,160,000 | 31,367,000 | 34,525,000 | 42,071,000 |
| Equity capital | 18,906,000 | 18,832,000 | 18,334,000 | 18,341,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 3,736,000 | 7,720,000 | 11,808,000 | 15,980,000 |
| Interest expense | 1,230,000 | 2,490,000 | 3,916,000 | 5,450,000 |
| Net interest income | 2,506,000 | 5,230,000 | 7,892,000 | 10,530,000 |
| Noninterest income | 577,000 | 1,275,000 | 2,017,000 | 2,820,000 |
| Noninterest expense | 1,954,000 | 3,952,000 | 5,977,000 | 8,355,000 |
| Provision for loan losses | 443,000 | 1,213,000 | 3,846,000 | 4,511,000 |
| Pretax income | 686,000 | 1,340,000 | 82,000 | 483,000 |
| Income tax | 267,000 | 490,000 | 30,000 | 132,000 |
| Net income | 419,000 | 850,000 | 52,000 | 351,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,451,000 | 18,315,000 | 17,702,000 | 17,818,000 |
| Total capital | 19,941,000 | 20,174,000 | 19,486,000 | 19,739,000 |
| Risk-weighted assets | 151,397,000 | 157,265,000 | 152,768,000 | 153,667,000 |