Call reports 2016
POCA VALLEY BANK, INC., THE — 2016
What POCA VALLEY BANK, INC., THE reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 323,569,000 | 321,364,000 | 336,817,000 | 342,939,000 |
| Total loans | 231,278,000 | 240,866,000 | 244,106,000 | 243,312,000 |
| Allowance for loan losses | 2,217,000 | 2,119,000 | 2,246,000 | 2,490,000 |
| Securities available for sale | 42,648,000 | 42,948,000 | 41,352,000 | 39,392,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 275,975,000 | 272,566,000 | 288,170,000 | 296,618,000 |
| Interest-bearing deposits | 205,465,000 | 204,809,000 | 208,807,000 | 207,640,000 |
| Noninterest-bearing deposits | 70,510,000 | 67,757,000 | 79,363,000 | 88,978,000 |
| Equity capital | 35,395,000 | 36,201,000 | 36,619,000 | 34,495,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 3,346,000 | 6,714,000 | 10,174,000 | 13,682,000 |
| Interest expense | 268,000 | 537,000 | 802,000 | 1,068,000 |
| Net interest income | 3,078,000 | 6,177,000 | 9,372,000 | 12,614,000 |
| Noninterest income | 833,000 | 1,613,000 | 2,706,000 | 3,621,000 |
| Noninterest expense | 2,999,000 | 5,876,000 | 9,153,000 | 12,471,000 |
| Provision for loan losses | 0 | 0 | 150,000 | 600,000 |
| Pretax income | 1,041,000 | 2,042,000 | 2,903,000 | 3,301,000 |
| Income tax | 344,000 | 677,000 | 1,008,000 | 1,018,000 |
| Net income | 697,000 | 1,365,000 | 1,895,000 | 2,283,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,770,000 | 34,353,000 | 34,895,000 | 33,299,000 |
| Total capital | 35,987,000 | 36,472,000 | 37,141,000 | 35,789,000 |
| Risk-weighted assets | 214,741,000 | 220,747,000 | 227,839,000 | 230,507,000 |