Call reports 2019
POCA VALLEY BANK, INC., THE — 2019
What POCA VALLEY BANK, INC., THE reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 375,321,000 | 374,946,000 | 376,170,000 | 377,146,000 |
| Total loans | 267,982,000 | 278,844,000 | 288,283,000 | 289,018,000 |
| Allowance for loan losses | 2,256,000 | 2,359,000 | 2,451,000 | 2,826,000 |
| Securities available for sale | 21,191,000 | 25,070,000 | 33,150,000 | 38,652,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 328,739,000 | 324,686,000 | 328,002,000 | 328,322,000 |
| Interest-bearing deposits | 243,781,000 | 238,171,000 | 238,996,000 | 246,013,000 |
| Noninterest-bearing deposits | 84,958,000 | 86,515,000 | 89,006,000 | 82,309,000 |
| Equity capital | 33,830,000 | 34,724,000 | 34,920,000 | 35,748,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 4,178,000 | 8,416,000 | 12,778,000 | 17,094,000 |
| Interest expense | 566,000 | 1,072,000 | 1,631,000 | 2,202,000 |
| Net interest income | 3,612,000 | 7,344,000 | 11,147,000 | 14,892,000 |
| Noninterest income | 996,000 | 1,984,000 | 3,116,000 | 4,183,000 |
| Noninterest expense | 3,776,000 | 7,464,000 | 11,268,000 | 14,824,000 |
| Provision for loan losses | 0 | 150,000 | 400,000 | 900,000 |
| Pretax income | 832,000 | 1,714,000 | 2,812,000 | 3,721,000 |
| Income tax | 181,000 | 382,000 | 792,000 | 712,000 |
| Net income | 651,000 | 1,332,000 | 2,020,000 | 3,009,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,054,000 | 32,734,000 | 33,043,000 | 33,588,000 |
| Total capital | 34,310,000 | 35,093,000 | 35,494,000 | 36,414,000 |
| Risk-weighted assets | 249,143,000 | 259,241,000 | 263,274,000 | 256,604,000 |