Call reports 2007
OHIO VALLEY BANK COMPANY, THE — 2007
What OHIO VALLEY BANK COMPANY, THE reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 759,179,000 | 753,010,000 | 769,236,000 | 772,994,000 |
| Total loans | 619,149,000 | 614,701,000 | 617,965,000 | 627,283,000 |
| Allowance for loan losses | 8,081,000 | 6,385,000 | 6,427,000 | 6,437,000 |
| Securities available for sale | 70,435,000 | 70,697,000 | 69,536,000 | 78,063,000 |
| Securities held to maturity | 13,338,000 | 14,562,000 | 15,937,000 | 15,981,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 603,775,000 | 583,186,000 | 596,171,000 | 590,013,000 |
| Interest-bearing deposits | 522,381,000 | 504,788,000 | 519,464,000 | 510,437,000 |
| Noninterest-bearing deposits | 81,394,000 | 78,398,000 | 76,707,000 | 79,576,000 |
| Equity capital | 69,413,000 | 67,925,000 | 70,253,000 | 69,852,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 12,752,000 | 25,853,000 | 39,032,000 | 52,325,000 |
| Interest expense | 6,031,000 | 12,233,000 | 18,661,000 | 24,963,000 |
| Net interest income | 6,721,000 | 13,620,000 | 20,371,000 | 27,362,000 |
| Noninterest income | 1,265,000 | 2,492,000 | 3,904,000 | 4,676,000 |
| Noninterest expense | 5,037,000 | 10,076,000 | 15,169,000 | 20,646,000 |
| Provision for loan losses | 365,000 | 965,000 | 1,270,000 | 2,125,000 |
| Pretax income | 2,584,000 | 5,071,000 | 7,836,000 | 9,267,000 |
| Income tax | 792,000 | 1,556,000 | 2,404,000 | 2,748,000 |
| Net income | 1,792,000 | 3,515,000 | 5,432,000 | 6,519,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 68,954,000 | 67,676,000 | 69,593,000 | 68,682,000 |
| Total capital | 76,489,000 | 74,061,000 | 76,020,000 | 75,119,000 |
| Risk-weighted assets | 602,256,000 | 597,066,000 | 596,724,000 | 604,545,000 |
Machine access — free, no API key
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