Call reports 2023
POCA VALLEY BANK, INC., THE — 2023
What POCA VALLEY BANK, INC., THE reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 524,337,000 | 530,508,000 | 533,014,000 | 549,872,000 |
| Total loans | 393,123,000 | 408,393,000 | 423,406,000 | 428,345,000 |
| Allowance for loan losses | 3,283,000 | 3,220,000 | 3,194,000 | 3,387,000 |
| Securities available for sale | 60,714,000 | 58,363,000 | 54,664,000 | 57,874,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 476,186,000 | 478,117,000 | 482,332,000 | 496,092,000 |
| Interest-bearing deposits | 334,703,000 | 338,920,000 | 350,654,000 | 361,123,000 |
| Noninterest-bearing deposits | 141,483,000 | 139,197,000 | 131,678,000 | 134,969,000 |
| Equity capital | 35,302,000 | 35,308,000 | 33,774,000 | 36,876,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 5,437,000 | 11,291,000 | 17,528,000 | 24,068,000 |
| Interest expense | 803,000 | 2,025,000 | 3,668,000 | 5,647,000 |
| Net interest income | 4,634,000 | 9,266,000 | 13,860,000 | 18,421,000 |
| Noninterest income | 1,147,000 | 2,333,000 | 3,473,000 | 4,514,000 |
| Noninterest expense | 4,318,000 | 8,752,000 | 13,731,000 | 18,668,000 |
| Provision for loan losses | 250,000 | 300,000 | 378,000 | 915,000 |
| Pretax income | 1,222,000 | 2,568,000 | 3,244,000 | 2,884,000 |
| Income tax | 270,000 | 535,000 | 716,000 | 526,000 |
| Net income | 952,000 | 2,033,000 | 2,528,000 | 2,358,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 42,319,000 | 43,303,000 | 43,801,000 | 43,584,000 |
| Total capital | 45,627,000 | 46,535,000 | 47,008,000 | 46,978,000 |
| Risk-weighted assets | 361,911,000 | 373,645,000 | 386,905,000 | 385,687,000 |