Call reports 2011
OHIO VALLEY BANK COMPANY, THE — 2011
What OHIO VALLEY BANK COMPANY, THE reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 863,366,000 | 827,485,000 | 813,027,000 | 793,399,000 |
| Total loans | 620,835,000 | 613,232,000 | 604,498,000 | 588,301,000 |
| Allowance for loan losses | 7,675,000 | 6,150,000 | 6,183,000 | 7,016,000 |
| Securities available for sale | 91,708,000 | 100,703,000 | 86,041,000 | 85,670,000 |
| Securities held to maturity | 21,467,000 | 21,345,000 | 21,134,000 | 22,848,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 727,720,000 | 682,721,000 | 707,440,000 | 689,507,000 |
| Interest-bearing deposits | 594,913,000 | 573,588,000 | 580,533,000 | 549,908,000 |
| Noninterest-bearing deposits | 132,807,000 | 109,133,000 | 126,907,000 | 139,599,000 |
| Equity capital | 75,560,000 | 76,823,000 | 77,015,000 | 77,245,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 10,806,000 | 21,010,000 | 31,071,000 | 40,935,000 |
| Interest expense | 2,517,000 | 4,875,000 | 7,076,000 | 8,947,000 |
| Net interest income | 8,289,000 | 16,135,000 | 23,995,000 | 31,988,000 |
| Noninterest income | 3,017,000 | 4,523,000 | 5,451,000 | 6,129,000 |
| Noninterest expense | 6,477,000 | 12,828,000 | 19,266,000 | 25,838,000 |
| Provision for loan losses | 2,823,000 | 3,645,000 | 4,795,000 | 4,809,000 |
| Pretax income | 2,006,000 | 4,185,000 | 5,385,000 | 7,470,000 |
| Income tax | 512,000 | 1,085,000 | 1,327,000 | 1,922,000 |
| Net income | 1,494,000 | 3,100,000 | 4,058,000 | 5,548,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 73,921,000 | 74,528,000 | 74,486,000 | 74,975,000 |
| Total capital | 81,297,000 | 80,678,000 | 80,669,000 | 81,991,000 |
| Risk-weighted assets | 589,821,000 | 593,626,000 | 582,436,000 | 569,301,000 |