Call reports 2008
POCA VALLEY BANK, INC., THE — 2008
What POCA VALLEY BANK, INC., THE reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 260,441,000 | 269,266,000 | 275,814,000 | 285,445,000 |
| Total loans | 184,704,000 | 186,503,000 | 183,876,000 | 186,617,000 |
| Allowance for loan losses | 2,551,000 | 2,574,000 | 2,435,000 | 2,209,000 |
| Securities available for sale | 35,577,000 | 38,754,000 | 49,463,000 | 54,256,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 237,002,000 | 245,575,000 | 251,881,000 | 261,918,000 |
| Interest-bearing deposits | 199,836,000 | 207,552,000 | 211,410,000 | 221,428,000 |
| Noninterest-bearing deposits | 37,166,000 | 38,023,000 | 40,471,000 | 40,490,000 |
| Equity capital | 19,914,000 | 20,194,000 | 19,455,000 | 20,670,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 4,296,000 | 8,445,000 | 12,673,000 | 16,952,000 |
| Interest expense | 1,775,000 | 3,429,000 | 5,009,000 | 6,549,000 |
| Net interest income | 2,521,000 | 5,016,000 | 7,664,000 | 10,403,000 |
| Noninterest income | 716,000 | 1,509,000 | 2,304,000 | 3,078,000 |
| Noninterest expense | 2,584,000 | 5,076,000 | 7,727,000 | 9,871,000 |
| Provision for loan losses | 0 | 80,000 | 380,000 | 2,882,000 |
| Pretax income | 647,000 | 1,363,000 | 1,855,000 | 736,000 |
| Income tax | 107,000 | 245,000 | 280,000 | -10,000 |
| Net income | 540,000 | 1,118,000 | 1,575,000 | 746,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,995,000 | 19,491,000 | 19,168,000 | 20,688,000 |
| Total capital | 21,193,000 | 21,713,000 | 21,369,000 | 22,897,000 |
| Risk-weighted assets | 175,454,000 | 177,298,000 | 175,873,000 | 183,387,000 |