Call reports 2013
OHIO VALLEY BANK COMPANY, THE — 2013
What OHIO VALLEY BANK COMPANY, THE reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 823,577,000 | 740,256,000 | 735,152,000 | 734,840,000 |
| Total loans | 540,607,000 | 540,979,000 | 545,519,000 | 555,341,000 |
| Allowance for loan losses | 6,296,000 | 6,140,000 | 6,938,000 | 5,827,000 |
| Securities available for sale | 99,515,000 | 89,949,000 | 88,850,000 | 84,068,000 |
| Securities held to maturity | 23,496,000 | 23,746,000 | 23,327,000 | 22,826,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 723,734,000 | 636,168,000 | 630,671,000 | 631,511,000 |
| Interest-bearing deposits | 509,854,000 | 490,281,000 | 495,622,000 | 479,266,000 |
| Noninterest-bearing deposits | 213,880,000 | 145,887,000 | 135,049,000 | 152,245,000 |
| Equity capital | 78,388,000 | 77,750,000 | 78,482,000 | 78,799,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 8,206,000 | 16,330,000 | 24,449,000 | 32,734,000 |
| Interest expense | 900,000 | 1,759,000 | 2,512,000 | 3,222,000 |
| Net interest income | 7,306,000 | 14,571,000 | 21,937,000 | 29,512,000 |
| Noninterest income | 3,473,000 | 5,215,000 | 6,656,000 | 7,555,000 |
| Noninterest expense | 7,007,000 | 13,652,000 | 20,327,000 | 26,500,000 |
| Provision for loan losses | -65,000 | -265,000 | 554,000 | 364,000 |
| Pretax income | 3,837,000 | 6,399,000 | 7,712,000 | 10,203,000 |
| Income tax | 975,000 | 1,672,000 | 1,950,000 | 2,654,000 |
| Net income | 2,862,000 | 4,727,000 | 5,762,000 | 7,549,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 75,552,000 | 76,418,000 | 76,454,000 | 77,230,000 |
| Total capital | 81,848,000 | 82,558,000 | 83,205,000 | 83,057,000 |
| Risk-weighted assets | 529,229,000 | 532,215,000 | 539,927,000 | 546,638,000 |