The Poca Valley Bank, Inc. in Walton, West Virginia (WV)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • The Poca Valley Bank, Inc. in Walton, West Virginia (WV)
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The Poca Valley Bank, Inc. - Overview

  • General
  • FDIC Certificate #: 11952
    Status: Active
    Federal Reserve ID: 851239
    Bank Holding Company (Regulatory Top Holder): Poca Valley Bankshares, Inc., The (RSSDID: 2152734, Location: Walton, WV)
    Date Established: September 24, 1908
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 7 (Domestic: 7, Interstate: No)
    OTS Docket #: 13741
    FDIC's unique #: 7628
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: September 20, 2006
    Last Structure Change Process Date: September 20, 2006
    Last Data Update: September 20, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 7033 Charleston Road, Walton, WV 25286
    County: Roane
    Quarterly Banking Profile Region: Atlanta
    FDIC Geographic Region: Atlanta
    FDIC Supervisory Region: Atlanta
    FDIC Field Office: Scott Depot
    Office of the Comptroller the Currency (OCC) District: Northeast
    Office of Thrift Supervision Region: Northeast
  • History of Changes
  • Change in Location
  • Financial Summary
  • Total assets: $302.8 mil
    Equity capital: $28.1 mil
    Deposits held in domestic offices: $271.9 mil
    Return on assets (ROA): 0.58% ($1.8 mil)
    Quarterly return on assets: 0.38% ($1.2 mil)
    Return on Equity (ROE): 6.20% ($1.7 mil)
    Quarterly return on equity: 4.13% ($1.2 mil)
    Net income: $1.7 mil
    Quarterly Net income: $0.3 mil
    Pretax return on assets: 0.70% ($2,119.5 mil)
    Quarterly Pretax return on assets: 0.32% ($968.9 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

  • Dollar figures in thousands
  • 96Total employees (full-time equivalent)
  • $302,785Total assets
  • $18,256Cash and due from depository institutions
  • $12,544Interest-bearing balances
  • $49,237Securities
  • $16,355Federal funds sold & reverse repurchase agreements
  • $202,365Net loans & leases
  • $2,749Loan loss allowance
  • $0Trading account assets
  • $4,743Bank premises and fixed assets
  • $1,366Other real estate owned
  • $0Goodwill and other intangibles
  • $302,785Life insurance assets
  • $10,463All other assets
  • $274,680Total liabilities and capital
  • $271,922Total liabilities
  • $213,296Total deposits
  • $271,922Interest-bearing deposits
  • $94Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $217Trading liabilities
  • $0Other borrowed funds
  • $2,541Subordinated debt
  • $28,105All other liabilities
  • $28,105Total equity capital
  • $28,105Total bank equity capital
  • $0Perpetual preferred stock
  • $900Common stock
  • $9,409Surplus
  • $17,796Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $1,618Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $3,166Income earned, not collected on loans
  • $0Earning assets
  • $788Long-term assets (5+ years)
  • $280,501Average Assets, year-to-date
  • $83,511Average Assets, quarterly
  • $294,730Volatile liabilities
  • $299,705Insider loans
  • $196,947FHLB advances
  • $296,432Loans and leases held for sale
  • $5,908Unused loan commitments
  • $51Tier 1 (core) risk-based capital
  • $27,404Tier 2 risk-based capital
  • $5,857Total risk weighted assets
  • $0Total unused commitments
  • $36,544Restructured Loans and leases
  • $4,164Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $14,823Total interest income
  • $2,484Total interest expense
  • $12,339Net interest income
  • $2,602Provision for loan and lease losses
  • $3,067Total noninterest income
  • $0Fiduciary activities
  • $1,316Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,751Additional noninterest income
  • $10,838Total noninterest expense
  • $5,339Salaries and employee benefits
  • $1,636Premises and equipment expense
  • $3,863Additional noninterest expense
  • $1,966Pre-tax net operating income
  • $98Securities gains (losses)
  • $369Applicable income taxes
  • $1,695Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,695Net income attributable to bank
  • $0Net charge-offs
  • $1,695Cash dividends
  • $3,233Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.59%Yield on earning assets
  • 0.94%Cost of funding earning assets
  • 4.65%Net interest margin
  • 1.16%Noninterest income to earning assets
  • 4.09%Noninterest expense to earning assets
  • 0.55%Net operating income to assets
  • 0.58%Return on assets (ROA)
  • 0.70%Pretax return on assets
  • 6.20%Return on equity (ROE)
  • 6.20%Retained earnings to average equity (YTD only)
  • 1.61%Net charge-offs to loans
  • 80.48%Credit loss provision to net charge-offs
  • 1.41%Efficiency ratio
  • 70,349Assets per employee
  • 3.15%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.34%Loss allowance to noncurrent loans
  • 86.83%Noncurrent assets plus other real estate owned to assets
  • 1.50%Noncurrent loans to loans
  • 1.54%Net loans and leases to deposits
  • 74.42%Net loans and leases to core deposits
  • 82.07%Equity capital to assets
  • 9.28%Core capital (leverage) ratio
  • 9.24%Tier 1 risk-based capital ratio
  • 13.91%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $294,730Average earning assets
  • $27,335Average equity
  • $265,221Average loans

List of branches

  • 7 West Virginia Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    07628The Poca Valley Bank, Inc.7033 Charleston Road, Walton, WV 25286September 24, 1908Full Service Brick and Mortar
    1226010Clendenin BranchU.S. Highway 119 And 2nd Avenue, Clendenin, WV 25045October 15, 1987Full Service Brick and Mortar
    2226011Elkview BranchU.S. Highway 119 And State Road 43, Elkview, WV 25071June 15, 1990Full Service Brick and Mortar
    3226012Sissonville Branch6420 Sissonville Drive, Sissonville, WV 25320July 23, 1997Full Service Brick and Mortar
    4358766Poca Foodfair Supermarket BranchRoute 62, Main Street, Poca, WV 25159September 18, 2000Full Service Brick and Mortar
    5362115Winfield Branch3500 Winfield Road, Winfield, WV 25213January 11, 2001Full Service Brick and Mortar
    6441697Spencer Branch1 Black Walnut Avenue, Spencer, WV 25276April 01, 2005Full Service Brick and Mortar

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