Call reports 2022
POCA VALLEY BANK, INC., THE — 2022
What POCA VALLEY BANK, INC., THE reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 485,752,000 | 478,866,000 | 485,684,000 | 495,448,000 |
| Total loans | 345,105,000 | 353,412,000 | 372,121,000 | 385,531,000 |
| Allowance for loan losses | 2,906,000 | 2,852,000 | 2,821,000 | 2,948,000 |
| Securities available for sale | 71,832,000 | 68,167,000 | 66,795,000 | 62,750,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 436,606,000 | 431,435,000 | 448,261,000 | 452,641,000 |
| Interest-bearing deposits | 301,812,000 | 296,705,000 | 307,877,000 | 311,503,000 |
| Noninterest-bearing deposits | 134,794,000 | 134,730,000 | 140,384,000 | 141,138,000 |
| Equity capital | 35,106,000 | 33,267,000 | 31,256,000 | 33,377,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 4,183,000 | 8,577,000 | 13,302,000 | 18,509,000 |
| Interest expense | 212,000 | 418,000 | 641,000 | 1,066,000 |
| Net interest income | 3,971,000 | 8,159,000 | 12,661,000 | 17,443,000 |
| Noninterest income | 1,022,000 | 2,038,000 | 3,036,000 | 4,005,000 |
| Noninterest expense | 3,800,000 | 7,851,000 | 12,065,000 | 16,274,000 |
| Provision for loan losses | 0 | 0 | 0 | 150,000 |
| Pretax income | 1,193,000 | 2,346,000 | 3,632,000 | 4,994,000 |
| Income tax | 255,000 | 509,000 | 797,000 | 1,032,000 |
| Net income | 938,000 | 1,837,000 | 2,835,000 | 3,962,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,303,000 | 39,955,000 | 40,956,000 | 41,476,000 |
| Total capital | 42,235,000 | 42,821,000 | 43,797,000 | 44,457,000 |
| Risk-weighted assets | 320,973,000 | 328,224,000 | 343,564,000 | 357,504,000 |