Call reports 2009
POCA VALLEY BANK, INC., THE — 2009
What POCA VALLEY BANK, INC., THE reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 297,184,000 | 302,991,000 | 295,291,000 | 297,250,000 |
| Total loans | 187,555,000 | 193,316,000 | 191,761,000 | 195,530,000 |
| Allowance for loan losses | 2,243,000 | 5,482,000 | 2,773,000 | 3,005,000 |
| Securities available for sale | 64,409,000 | 63,950,000 | 64,792,000 | 52,444,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 272,329,000 | 280,658,000 | 270,748,000 | 270,337,000 |
| Interest-bearing deposits | 232,023,000 | 235,741,000 | 230,418,000 | 220,854,000 |
| Noninterest-bearing deposits | 40,306,000 | 44,917,000 | 40,330,000 | 49,483,000 |
| Equity capital | 21,884,000 | 19,095,000 | 20,992,000 | 24,074,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 4,215,000 | 8,481,000 | 12,644,000 | 16,754,000 |
| Interest expense | 1,495,000 | 2,956,000 | 4,312,000 | 5,489,000 |
| Net interest income | 2,720,000 | 5,525,000 | 8,332,000 | 11,265,000 |
| Noninterest income | 732,000 | 1,544,000 | 2,387,000 | 3,104,000 |
| Noninterest expense | 2,538,000 | 5,109,000 | 7,790,000 | 10,649,000 |
| Provision for loan losses | 200,000 | 4,055,000 | 4,316,000 | 5,091,000 |
| Pretax income | 714,000 | -2,029,000 | -1,310,000 | -1,198,000 |
| Income tax | 132,000 | 255,000 | -456,000 | -757,000 |
| Net income | 582,000 | -2,284,000 | -854,000 | -441,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,590,000 | 18,951,000 | 21,082,000 | 24,583,000 |
| Total capital | 23,833,000 | 21,341,000 | 23,432,000 | 26,886,000 |
| Risk-weighted assets | 186,375,000 | 187,894,000 | 187,297,000 | 183,495,000 |