Call reports 2008
OHIO VALLEY BANK COMPANY, THE — 2008
What OHIO VALLEY BANK COMPANY, THE 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 | 781,532,000 | 779,548,000 | 765,824,000 | 770,838,000 |
| Total loans | 623,335,000 | 612,553,000 | 609,788,000 | 620,628,000 |
| Allowance for loan losses | 6,580,000 | 6,262,000 | 6,497,000 | 7,484,000 |
| Securities available for sale | 71,333,000 | 72,203,000 | 70,233,000 | 75,340,000 |
| Securities held to maturity | 18,589,000 | 17,690,000 | 17,608,000 | 16,986,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 612,751,000 | 610,196,000 | 595,980,000 | 593,444,000 |
| Interest-bearing deposits | 525,021,000 | 522,457,000 | 516,864,000 | 506,946,000 |
| Noninterest-bearing deposits | 87,730,000 | 87,739,000 | 79,116,000 | 86,498,000 |
| Equity capital | 69,623,000 | 68,584,000 | 69,073,000 | 71,133,000 |
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 | 12,847,000 | 25,038,000 | 37,036,000 | 48,635,000 |
| Interest expense | 5,714,000 | 10,669,000 | 15,268,000 | 19,479,000 |
| Net interest income | 7,133,000 | 14,369,000 | 21,768,000 | 29,156,000 |
| Noninterest income | 1,350,000 | 2,767,000 | 4,206,000 | 5,513,000 |
| Noninterest expense | 5,186,000 | 10,485,000 | 15,894,000 | 21,107,000 |
| Provision for loan losses | 600,000 | 1,502,000 | 2,153,000 | 3,478,000 |
| Pretax income | 2,723,000 | 5,175,000 | 7,953,000 | 10,110,000 |
| Income tax | 813,000 | 1,507,000 | 2,295,000 | 2,815,000 |
| Net income | 1,910,000 | 3,668,000 | 5,658,000 | 7,295,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 67,521,000 | 67,027,000 | 67,517,000 | 69,158,000 |
| Total capital | 74,101,000 | 73,289,000 | 74,014,000 | 76,642,000 |
| Risk-weighted assets | 603,135,000 | 598,849,000 | 592,316,000 | 601,939,000 |
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