Call reports 2008
BANK OF OHIO COUNTY, INC. — 2008
What BANK OF OHIO COUNTY, INC. reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 77,837,000 | 78,662,000 | 78,558,000 | 78,988,000 |
| Total loans | 39,705,000 | 41,515,000 | 43,657,000 | 44,196,000 |
| Allowance for loan losses | 572,000 | 575,000 | 593,000 | 568,000 |
| Securities available for sale | 33,290,000 | 31,555,000 | 24,701,000 | 29,399,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 65,115,000 | 66,141,000 | 66,276,000 | 66,168,000 |
| Interest-bearing deposits | 57,787,000 | 58,450,000 | 59,074,000 | 58,699,000 |
| Noninterest-bearing deposits | 7,328,000 | 7,691,000 | 7,202,000 | 7,469,000 |
| Equity capital | 12,076,000 | 12,000,000 | 11,745,000 | 12,281,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,284,000 | 2,516,000 | 3,798,000 | 5,050,000 |
| Interest expense | 528,000 | 968,000 | 1,387,000 | 1,775,000 |
| Net interest income | 756,000 | 1,548,000 | 2,411,000 | 3,275,000 |
| Noninterest income | 134,000 | 268,000 | 408,000 | 535,000 |
| Noninterest expense | 452,000 | 988,000 | 1,479,000 | 2,040,000 |
| Provision for loan losses | 12,000 | 24,000 | 36,000 | 148,000 |
| Pretax income | 426,000 | 804,000 | 1,304,000 | 1,622,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 426,000 | 804,000 | 1,304,000 | 1,622,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,782,000 | 11,872,000 | 12,231,000 | 12,549,000 |
| Total capital | 12,354,000 | 12,447,000 | 12,824,000 | 13,117,000 |
| Risk-weighted assets | 48,022,000 | 49,143,000 | 51,346,000 | 52,018,000 |
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