Call reports 2013
POCA VALLEY BANK, INC., THE — 2013
What POCA VALLEY BANK, INC., THE reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 317,999,000 | 323,403,000 | 315,704,000 | 315,106,000 |
| Total loans | 201,109,000 | 206,505,000 | 208,581,000 | 207,456,000 |
| Allowance for loan losses | 3,206,000 | 3,192,000 | 3,013,000 | 2,957,000 |
| Securities available for sale | 58,084,000 | 58,060,000 | 55,206,000 | 54,643,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 283,814,000 | 290,377,000 | 281,778,000 | 280,585,000 |
| Interest-bearing deposits | 221,222,000 | 221,024,000 | 217,603,000 | 213,777,000 |
| Noninterest-bearing deposits | 62,592,000 | 69,353,000 | 64,175,000 | 66,808,000 |
| Equity capital | 30,174,000 | 29,943,000 | 30,497,000 | 30,917,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 3,372,000 | 6,719,000 | 10,162,000 | 13,603,000 |
| Interest expense | 429,000 | 832,000 | 1,217,000 | 1,573,000 |
| Net interest income | 2,943,000 | 5,887,000 | 8,945,000 | 12,030,000 |
| Noninterest income | 849,000 | 1,850,000 | 2,788,000 | 3,709,000 |
| Noninterest expense | 2,921,000 | 5,693,000 | 8,449,000 | 11,411,000 |
| Provision for loan losses | 103,000 | 103,000 | 266,000 | 486,000 |
| Pretax income | 768,000 | 1,943,000 | 3,020,000 | 3,844,000 |
| Income tax | 238,000 | 634,000 | 987,000 | 1,205,000 |
| Net income | 530,000 | 1,309,000 | 2,033,000 | 2,639,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,386,000 | 28,777,000 | 29,596,000 | 29,919,000 |
| Total capital | 30,792,000 | 31,292,000 | 32,052,000 | 32,351,000 |
| Risk-weighted assets | 191,713,000 | 200,531,000 | 195,910,000 | 194,069,000 |