Call reports 2018
POCA VALLEY BANK, INC., THE — 2018
What POCA VALLEY BANK, INC., THE reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 331,405,000 | 334,171,000 | 358,211,000 | 372,430,000 |
| Total loans | 254,324,000 | 266,963,000 | 263,485,000 | 265,074,000 |
| Allowance for loan losses | 2,522,000 | 2,229,000 | 2,180,000 | 2,321,000 |
| Securities available for sale | 27,548,000 | 26,565,000 | 21,458,000 | 21,199,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 284,279,000 | 282,872,000 | 311,538,000 | 324,667,000 |
| Interest-bearing deposits | 208,430,000 | 206,883,000 | 233,144,000 | 246,010,000 |
| Noninterest-bearing deposits | 75,849,000 | 75,989,000 | 78,394,000 | 78,657,000 |
| Equity capital | 34,957,000 | 34,627,000 | 34,520,000 | 35,054,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 3,624,000 | 7,412,000 | 11,313,000 | 15,439,000 |
| Interest expense | 284,000 | 580,000 | 945,000 | 1,421,000 |
| Net interest income | 3,340,000 | 6,832,000 | 10,368,000 | 14,018,000 |
| Noninterest income | 852,000 | 2,068,000 | 3,202,000 | 4,387,000 |
| Noninterest expense | 3,567,000 | 7,120,000 | 10,773,000 | 14,375,000 |
| Provision for loan losses | 0 | 0 | 300,000 | 650,000 |
| Pretax income | 625,000 | 1,780,000 | 2,503,000 | 3,386,000 |
| Income tax | 121,000 | 380,000 | 530,000 | 739,000 |
| Net income | 504,000 | 1,400,000 | 1,973,000 | 2,647,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,471,000 | 33,243,000 | 33,340,000 | 33,538,000 |
| Total capital | 35,993,000 | 35,472,000 | 35,520,000 | 35,859,000 |
| Risk-weighted assets | 232,681,000 | 239,973,000 | 247,554,000 | 245,602,000 |