Call reports 2012
POCA VALLEY BANK, INC., THE — 2012
What POCA VALLEY BANK, INC., THE reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 308,620,000 | 308,235,000 | 315,186,000 | 312,134,000 |
| Total loans | 203,147,000 | 203,907,000 | 206,443,000 | 203,719,000 |
| Allowance for loan losses | 2,938,000 | 2,949,000 | 3,035,000 | 3,266,000 |
| Securities available for sale | 53,904,000 | 56,254,000 | 57,423,000 | 57,543,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 275,318,000 | 276,286,000 | 281,983,000 | 278,198,000 |
| Interest-bearing deposits | 215,918,000 | 217,105,000 | 218,151,000 | 218,190,000 |
| Noninterest-bearing deposits | 59,400,000 | 59,181,000 | 63,832,000 | 60,008,000 |
| Equity capital | 28,861,000 | 28,748,000 | 29,617,000 | 30,022,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 3,690,000 | 7,321,000 | 10,901,000 | 14,444,000 |
| Interest expense | 557,000 | 1,088,000 | 1,602,000 | 2,076,000 |
| Net interest income | 3,133,000 | 6,233,000 | 9,299,000 | 12,368,000 |
| Noninterest income | 841,000 | 1,742,000 | 2,695,000 | 3,657,000 |
| Noninterest expense | 2,732,000 | 5,502,000 | 8,694,000 | 11,486,000 |
| Provision for loan losses | 640,000 | 1,261,000 | 1,475,000 | 2,144,000 |
| Pretax income | 602,000 | 1,231,000 | 1,894,000 | 2,464,000 |
| Income tax | 22,000 | 430,000 | 641,000 | 670,000 |
| Net income | 580,000 | 801,000 | 1,253,000 | 1,794,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,492,000 | 27,389,000 | 27,831,000 | 28,243,000 |
| Total capital | 29,928,000 | 29,805,000 | 30,261,000 | 30,660,000 |
| Risk-weighted assets | 194,406,000 | 192,766,000 | 193,788,000 | 192,529,000 |