Call reports 2025
POCA VALLEY BANK, INC., THE — 2025
What POCA VALLEY BANK, INC., THE reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 612,544,000 | 627,736,000 | 637,786,000 | 649,037,000 |
| Total loans | 461,737,000 | 468,307,000 | 476,221,000 | 491,383,000 |
| Allowance for loan losses | 3,627,000 | 3,656,000 | 3,412,000 | 3,190,000 |
| Securities available for sale | 74,569,000 | 73,802,000 | 79,802,000 | 91,679,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 564,853,000 | 578,250,000 | 587,583,000 | 597,291,000 |
| Interest-bearing deposits | 425,913,000 | 431,148,000 | 433,142,000 | 432,729,000 |
| Noninterest-bearing deposits | 138,940,000 | 147,102,000 | 154,441,000 | 164,562,000 |
| Equity capital | 39,329,000 | 40,484,000 | 42,880,000 | 44,585,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 8,019,000 | 16,215,000 | 24,570,000 | 33,299,000 |
| Interest expense | 2,766,000 | 5,408,000 | 8,037,000 | 10,554,000 |
| Net interest income | 5,253,000 | 10,807,000 | 16,533,000 | 22,745,000 |
| Noninterest income | 1,095,000 | 2,127,000 | 3,656,000 | 4,595,000 |
| Noninterest expense | 5,197,000 | 10,525,000 | 16,308,000 | 21,631,000 |
| Provision for loan losses | 468,000 | 468,000 | 357,000 | 232,000 |
| Pretax income | 696,000 | 1,945,000 | 3,535,000 | 5,404,000 |
| Income tax | 136,000 | 414,000 | 668,000 | 948,000 |
| Net income | 560,000 | 1,531,000 | 2,867,000 | 4,456,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 46,061,000 | 47,036,000 | 48,374,000 | 49,497,000 |
| Total capital | 49,693,000 | 50,706,000 | 51,793,000 | 52,698,000 |
| Risk-weighted assets | 409,348,000 | 415,772,000 | 426,342,000 | 441,615,000 |