Call reports 2007
POCA VALLEY BANK, INC., THE — 2007
What POCA VALLEY BANK, INC., THE reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 246,130,000 | 244,333,000 | 248,444,000 | 253,480,000 |
| Total loans | 170,626,000 | 176,747,000 | 185,464,000 | 185,563,000 |
| Allowance for loan losses | 1,955,000 | 2,083,000 | 1,809,000 | 2,591,000 |
| Securities available for sale | 31,114,000 | 34,726,000 | 32,829,000 | 33,229,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 223,347,000 | 220,335,000 | 220,292,000 | 230,820,000 |
| Interest-bearing deposits | 179,811,000 | 182,828,000 | 186,476,000 | 194,429,000 |
| Noninterest-bearing deposits | 43,536,000 | 37,507,000 | 33,816,000 | 36,391,000 |
| Equity capital | 18,950,000 | 18,573,000 | 19,490,000 | 19,106,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 4,222,000 | 8,463,000 | 12,886,000 | 17,329,000 |
| Interest expense | 1,567,000 | 3,182,000 | 4,880,000 | 6,678,000 |
| Net interest income | 2,655,000 | 5,281,000 | 8,006,000 | 10,651,000 |
| Noninterest income | 651,000 | 1,418,000 | 2,098,000 | 2,816,000 |
| Noninterest expense | 2,281,000 | 4,562,000 | 6,792,000 | 8,991,000 |
| Provision for loan losses | 115,000 | 715,000 | 1,240,000 | 2,430,000 |
| Pretax income | 910,000 | 1,422,000 | 2,068,000 | 2,028,000 |
| Income tax | 252,000 | 402,000 | 296,000 | 472,000 |
| Net income | 658,000 | 1,020,000 | 1,772,000 | 1,556,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,415,000 | 18,171,000 | 18,907,000 | 18,320,000 |
| Total capital | 20,355,000 | 20,184,000 | 20,716,000 | 20,379,000 |
| Risk-weighted assets | 155,192,000 | 161,006,000 | 167,015,000 | 167,831,000 |