Call reports 2014
POCA VALLEY BANK, INC., THE — 2014
What POCA VALLEY BANK, INC., THE reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 320,125,000 | 320,715,000 | 318,681,000 | 326,442,000 |
| Total loans | 208,651,000 | 219,809,000 | 227,476,000 | 217,058,000 |
| Allowance for loan losses | 2,864,000 | 2,587,000 | 2,792,000 | 2,199,000 |
| Securities available for sale | 54,971,000 | 57,699,000 | 49,597,000 | 47,650,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 284,293,000 | 284,246,000 | 281,004,000 | 288,882,000 |
| Interest-bearing deposits | 213,389,000 | 72,423,000 | 214,913,000 | 213,666,000 |
| Noninterest-bearing deposits | 70,904,000 | 211,823,000 | 66,091,000 | 75,216,000 |
| Equity capital | 31,714,000 | 32,385,000 | 33,436,000 | 33,239,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 3,308,000 | 6,720,000 | 10,184,000 | 13,563,000 |
| Interest expense | 334,000 | 651,000 | 959,000 | 1,247,000 |
| Net interest income | 2,974,000 | 6,069,000 | 9,225,000 | 12,316,000 |
| Noninterest income | 805,000 | 1,732,000 | 2,907,000 | 3,853,000 |
| Noninterest expense | 2,825,000 | 5,671,000 | 8,584,000 | 11,076,000 |
| Provision for loan losses | 0 | 110,000 | 323,000 | 1,783,000 |
| Pretax income | 954,000 | 2,020,000 | 3,267,000 | 3,471,000 |
| Income tax | 308,000 | 655,000 | 1,076,000 | 975,000 |
| Net income | 646,000 | 1,365,000 | 2,191,000 | 2,496,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,211,000 | 30,554,000 | 31,343,000 | 31,414,000 |
| Total capital | 32,667,000 | 33,125,000 | 33,995,000 | 33,613,000 |
| Risk-weighted assets | 196,066,000 | 205,695,000 | 212,014,000 | 207,205,000 |