Call reports 2012
OHIO VALLEY BANK COMPANY, THE — 2012
What OHIO VALLEY BANK COMPANY, THE reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 842,523,000 | 790,802,000 | 785,038,000 | 757,444,000 |
| Total loans | 561,758,000 | 554,311,000 | 552,407,000 | 547,944,000 |
| Allowance for loan losses | 6,451,000 | 7,198,000 | 7,857,000 | 6,577,000 |
| Securities available for sale | 91,130,000 | 93,758,000 | 103,489,000 | 94,965,000 |
| Securities held to maturity | 22,785,000 | 24,269,000 | 23,678,000 | 23,511,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 736,969,000 | 684,201,000 | 677,589,000 | 656,869,000 |
| Interest-bearing deposits | 549,886,000 | 541,735,000 | 538,684,000 | 515,726,000 |
| Noninterest-bearing deposits | 187,083,000 | 142,466,000 | 138,905,000 | 141,143,000 |
| Equity capital | 79,546,000 | 80,556,000 | 81,290,000 | 80,608,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 9,397,000 | 18,417,000 | 27,190,000 | 35,772,000 |
| Interest expense | 1,468,000 | 2,864,000 | 4,195,000 | 5,444,000 |
| Net interest income | 7,929,000 | 15,553,000 | 22,995,000 | 30,328,000 |
| Noninterest income | 3,038,000 | 4,799,000 | 6,347,000 | 7,535,000 |
| Noninterest expense | 6,657,000 | 13,169,000 | 19,495,000 | 27,024,000 |
| Provision for loan losses | 1,211,000 | 1,787,000 | 2,957,000 | 1,527,000 |
| Pretax income | 3,099,000 | 5,396,000 | 6,890,000 | 9,312,000 |
| Income tax | 903,000 | 1,511,000 | 1,837,000 | 2,595,000 |
| Net income | 2,196,000 | 3,885,000 | 5,053,000 | 6,717,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 77,172,000 | 77,861,000 | 78,029,000 | 77,690,000 |
| Total capital | 83,623,000 | 84,492,000 | 84,700,000 | 84,267,000 |
| Risk-weighted assets | 540,623,000 | 529,906,000 | 532,487,000 | 536,367,000 |