Call reports 2015
POCA VALLEY BANK, INC., THE — 2015
What POCA VALLEY BANK, INC., THE reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 323,743,000 | 315,047,000 | 323,752,000 | 327,887,000 |
| Total loans | 212,963,000 | 218,401,000 | 231,239,000 | 231,835,000 |
| Allowance for loan losses | 2,029,000 | 1,972,000 | 2,070,000 | 2,157,000 |
| Securities available for sale | 59,056,000 | 53,815,000 | 46,760,000 | 45,522,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 285,867,000 | 277,383,000 | 277,089,000 | 281,180,000 |
| Interest-bearing deposits | 212,578,000 | 207,052,000 | 203,642,000 | 204,971,000 |
| Noninterest-bearing deposits | 73,289,000 | 70,331,000 | 73,447,000 | 76,209,000 |
| Equity capital | 33,886,000 | 33,923,000 | 34,648,000 | 34,583,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 3,238,000 | 6,492,000 | 9,824,000 | 13,257,000 |
| Interest expense | 270,000 | 527,000 | 768,000 | 1,046,000 |
| Net interest income | 2,968,000 | 5,965,000 | 9,056,000 | 12,211,000 |
| Noninterest income | 825,000 | 1,931,000 | 2,944,000 | 3,870,000 |
| Noninterest expense | 2,798,000 | 5,836,000 | 8,947,000 | 11,994,000 |
| Provision for loan losses | 250,000 | 250,000 | 330,000 | 655,000 |
| Pretax income | 745,000 | 1,882,000 | 2,838,000 | 3,587,000 |
| Income tax | 240,000 | 620,000 | 934,000 | 1,056,000 |
| Net income | 505,000 | 1,262,000 | 1,904,000 | 2,531,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,492,000 | 32,832,000 | 33,465,000 | 33,320,000 |
| Total capital | 34,521,000 | 34,804,000 | 35,535,000 | 35,477,000 |
| Risk-weighted assets | 204,760,000 | 205,593,000 | 215,557,000 | 215,685,000 |