Call reports 2020
POCA VALLEY BANK, INC., THE — 2020
What POCA VALLEY BANK, INC., THE reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 383,429,000 | 425,165,000 | 438,294,000 | 448,423,000 |
| Total loans | 290,038,000 | 311,819,000 | 320,815,000 | 319,897,000 |
| Allowance for loan losses | 3,255,000 | 3,297,000 | 3,233,000 | 3,000,000 |
| Securities available for sale | 45,125,000 | 44,413,000 | 47,676,000 | 49,132,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 334,145,000 | 374,297,000 | 385,335,000 | 397,697,000 |
| Interest-bearing deposits | 250,400,000 | 268,707,000 | 273,771,000 | 281,311,000 |
| Noninterest-bearing deposits | 83,745,000 | 105,590,000 | 111,564,000 | 116,386,000 |
| Equity capital | 36,116,000 | 36,598,000 | 37,341,000 | 37,229,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 4,137,000 | 8,124,000 | 12,311,000 | 16,662,000 |
| Interest expense | 565,000 | 1,050,000 | 1,498,000 | 1,907,000 |
| Net interest income | 3,572,000 | 7,074,000 | 10,813,000 | 14,755,000 |
| Noninterest income | 990,000 | 1,967,000 | 2,992,000 | 4,134,000 |
| Noninterest expense | 3,775,000 | 7,532,000 | 11,296,000 | 15,029,000 |
| Provision for loan losses | 500,000 | 650,000 | 650,000 | 650,000 |
| Pretax income | 287,000 | 859,000 | 1,859,000 | 3,210,000 |
| Income tax | 47,000 | 163,000 | 393,000 | 635,000 |
| Net income | 240,000 | 696,000 | 1,466,000 | 2,575,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,760,000 | 33,395,000 | 34,030,000 | 33,919,000 |
| Total capital | 37,015,000 | 36,692,000 | 37,263,000 | 36,919,000 |
| Risk-weighted assets | 264,556,000 | 271,970,000 | 283,289,000 | 286,816,000 |