Call reports 2021
POCA VALLEY BANK, INC., THE — 2021
What POCA VALLEY BANK, INC., THE reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 459,510,000 | 458,920,000 | 473,658,000 | 487,506,000 |
| Total loans | 327,023,000 | 322,869,000 | 336,838,000 | 342,463,000 |
| Allowance for loan losses | 2,900,000 | 2,986,000 | 2,994,000 | 2,937,000 |
| Securities available for sale | 59,755,000 | 57,240,000 | 65,039,000 | 76,018,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 407,146,000 | 406,661,000 | 421,481,000 | 434,928,000 |
| Interest-bearing deposits | 286,528,000 | 286,194,000 | 294,995,000 | 298,602,000 |
| Noninterest-bearing deposits | 120,618,000 | 120,467,000 | 126,486,000 | 136,326,000 |
| Equity capital | 37,455,000 | 38,595,000 | 38,363,000 | 39,373,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 4,217,000 | 8,378,000 | 12,607,000 | 16,832,000 |
| Interest expense | 350,000 | 627,000 | 854,000 | 1,077,000 |
| Net interest income | 3,867,000 | 7,751,000 | 11,753,000 | 15,755,000 |
| Noninterest income | 999,000 | 2,043,000 | 3,147,000 | 4,264,000 |
| Noninterest expense | 3,738,000 | 7,699,000 | 11,461,000 | 15,312,000 |
| Provision for loan losses | 0 | 100,000 | 100,000 | 100,000 |
| Pretax income | 1,128,000 | 1,995,000 | 3,339,000 | 4,607,000 |
| Income tax | 255,000 | 355,000 | 746,000 | 956,000 |
| Net income | 873,000 | 1,640,000 | 2,593,000 | 3,651,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,375,000 | 37,146,000 | 37,502,000 | 38,362,000 |
| Total capital | 39,275,000 | 40,234,000 | 40,572,000 | 41,374,000 |
| Risk-weighted assets | 287,020,000 | 287,548,000 | 302,814,000 | 309,919,000 |