Call reports 2017
POCA VALLEY BANK, INC., THE — 2017
What POCA VALLEY BANK, INC., THE reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 338,492,000 | 328,299,000 | 324,069,000 | 328,127,000 |
| Total loans | 241,780,000 | 248,369,000 | 249,233,000 | 251,789,000 |
| Allowance for loan losses | 3,020,000 | 2,921,000 | 2,814,000 | 2,576,000 |
| Securities available for sale | 36,926,000 | 34,655,000 | 29,233,000 | 28,616,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 293,206,000 | 281,806,000 | 276,913,000 | 281,076,000 |
| Interest-bearing deposits | 208,499,000 | 204,964,000 | 202,378,000 | 206,843,000 |
| Noninterest-bearing deposits | 84,707,000 | 76,842,000 | 74,535,000 | 74,233,000 |
| Equity capital | 33,526,000 | 34,260,000 | 34,561,000 | 34,729,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 3,459,000 | 6,957,000 | 10,564,000 | 14,232,000 |
| Interest expense | 273,000 | 546,000 | 819,000 | 1,102,000 |
| Net interest income | 3,186,000 | 6,411,000 | 9,745,000 | 13,130,000 |
| Noninterest income | 792,000 | 2,007,000 | 3,047,000 | 3,948,000 |
| Noninterest expense | 3,046,000 | 6,357,000 | 9,885,000 | 13,100,000 |
| Provision for loan losses | 397,000 | 397,000 | 397,000 | 397,000 |
| Pretax income | 531,000 | 1,675,000 | 2,542,000 | 3,613,000 |
| Income tax | 152,000 | 542,000 | 814,000 | 1,475,000 |
| Net income | 379,000 | 1,133,000 | 1,728,000 | 2,138,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,857,000 | 32,739,000 | 32,941,000 | 33,138,000 |
| Total capital | 34,695,000 | 35,616,000 | 35,755,000 | 35,714,000 |
| Risk-weighted assets | 226,821,000 | 230,111,000 | 238,131,000 | 225,147,000 |