Call reports 2024
POCA VALLEY BANK, INC., THE — 2024
What POCA VALLEY BANK, INC., THE reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 568,336,000 | 575,704,000 | 598,954,000 | 616,254,000 |
| Total loans | 438,763,000 | 448,193,000 | 457,677,000 | 461,814,000 |
| Allowance for loan losses | 3,675,000 | 3,636,000 | 3,549,000 | 3,227,000 |
| Securities available for sale | 58,577,000 | 57,979,000 | 61,168,000 | 72,113,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 514,027,000 | 530,601,000 | 550,196,000 | 570,554,000 |
| Interest-bearing deposits | 381,402,000 | 395,594,000 | 415,252,000 | 427,479,000 |
| Noninterest-bearing deposits | 132,625,000 | 135,007,000 | 134,944,000 | 143,075,000 |
| Equity capital | 36,942,000 | 37,906,000 | 40,317,000 | 38,462,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 6,921,000 | 14,199,000 | 21,760,000 | 29,889,000 |
| Interest expense | 2,255,000 | 4,791,000 | 7,569,000 | 10,506,000 |
| Net interest income | 4,666,000 | 9,408,000 | 14,191,000 | 19,383,000 |
| Noninterest income | 1,148,000 | 2,293,000 | 3,518,000 | 4,516,000 |
| Noninterest expense | 4,950,000 | 9,496,000 | 14,211,000 | 19,184,000 |
| Provision for loan losses | 400,000 | 448,000 | 469,000 | 514,000 |
| Pretax income | 465,000 | 1,759,000 | 3,033,000 | 4,203,000 |
| Income tax | 74,000 | 367,000 | 659,000 | 951,000 |
| Net income | 391,000 | 1,392,000 | 2,374,000 | 3,252,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 43,978,000 | 44,982,000 | 45,817,000 | 45,498,000 |
| Total capital | 47,660,000 | 48,622,000 | 49,369,000 | 48,730,000 |
| Risk-weighted assets | 395,122,000 | 398,305,000 | 391,766,000 | 410,773,000 |