Call reports 2010
POCA VALLEY BANK, INC., THE — 2010
What POCA VALLEY BANK, INC., THE reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 289,450,000 | 294,671,000 | 288,839,000 | 285,872,000 |
| Total loans | 195,954,000 | 197,927,000 | 198,439,000 | 197,130,000 |
| Allowance for loan losses | 3,037,000 | 3,255,000 | 3,261,000 | 3,380,000 |
| Securities available for sale | 46,372,000 | 45,791,000 | 47,214,000 | 44,884,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 261,771,000 | 265,530,000 | 259,489,000 | 256,488,000 |
| Interest-bearing deposits | 214,929,000 | 220,374,000 | 211,259,000 | 208,043,000 |
| Noninterest-bearing deposits | 46,842,000 | 45,156,000 | 48,230,000 | 48,445,000 |
| Equity capital | 24,507,000 | 25,280,000 | 26,216,000 | 26,149,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 3,879,000 | 7,710,000 | 11,597,000 | 15,431,000 |
| Interest expense | 985,000 | 1,888,000 | 2,742,000 | 3,464,000 |
| Net interest income | 2,894,000 | 5,822,000 | 8,855,000 | 11,967,000 |
| Noninterest income | 586,000 | 1,502,000 | 2,320,000 | 2,987,000 |
| Noninterest expense | 2,647,000 | 5,385,000 | 8,148,000 | 10,876,000 |
| Provision for loan losses | 170,000 | 401,000 | 751,000 | 1,196,000 |
| Pretax income | 675,000 | 1,519,000 | 2,282,000 | 2,895,000 |
| Income tax | 182,000 | 489,000 | 603,000 | 806,000 |
| Net income | 493,000 | 1,030,000 | 1,679,000 | 2,089,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,051,000 | 25,566,000 | 26,004,000 | 26,127,000 |
| Total capital | 27,446,000 | 27,956,000 | 28,405,000 | 28,494,000 |
| Risk-weighted assets | 190,984,000 | 190,299,000 | 191,184,000 | 188,351,000 |