Call reports 2011
POCA VALLEY BANK, INC., THE — 2011
What POCA VALLEY BANK, INC., THE reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 291,489,000 | 296,880,000 | 296,625,000 | 302,712,000 |
| Total loans | 195,186,000 | 201,750,000 | 205,094,000 | 205,114,000 |
| Allowance for loan losses | 2,878,000 | 2,521,000 | 2,639,000 | 3,359,000 |
| Securities available for sale | 45,306,000 | 47,979,000 | 47,623,000 | 49,237,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 261,509,000 | 265,961,000 | 266,109,000 | 271,922,000 |
| Interest-bearing deposits | 210,948,000 | 211,710,000 | 210,301,000 | 213,296,000 |
| Noninterest-bearing deposits | 50,561,000 | 54,251,000 | 55,808,000 | 58,626,000 |
| Equity capital | 26,866,000 | 27,885,000 | 27,669,000 | 27,813,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 3,652,000 | 7,321,000 | 11,082,000 | 14,823,000 |
| Interest expense | 658,000 | 1,283,000 | 1,897,000 | 2,484,000 |
| Net interest income | 2,994,000 | 6,038,000 | 9,185,000 | 12,339,000 |
| Noninterest income | 592,000 | 1,363,000 | 2,206,000 | 3,067,000 |
| Noninterest expense | 2,738,000 | 5,360,000 | 8,014,000 | 10,468,000 |
| Provision for loan losses | 578,000 | 1,038,000 | 1,650,000 | 3,212,000 |
| Pretax income | 367,000 | 1,100,000 | 1,825,000 | 1,824,000 |
| Income tax | -133,000 | -91,000 | 418,000 | 421,000 |
| Net income | 500,000 | 1,191,000 | 1,407,000 | 1,403,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,606,000 | 27,231,000 | 26,885,000 | 26,934,000 |
| Total capital | 28,976,000 | 29,649,000 | 29,313,000 | 29,404,000 |
| Risk-weighted assets | 189,116,000 | 193,307,000 | 193,996,000 | 196,701,000 |