Call reports 2014
OHIO VALLEY BANK COMPANY, THE — 2014
What OHIO VALLEY BANK COMPANY, THE reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 813,264,000 | 750,099,000 | 763,517,000 | 764,975,000 |
| Total loans | 562,711,000 | 576,641,000 | 575,388,000 | 583,173,000 |
| Allowance for loan losses | 6,043,000 | 7,600,000 | 6,636,000 | 8,005,000 |
| Securities available for sale | 88,858,000 | 85,570,000 | 80,748,000 | 85,236,000 |
| Securities held to maturity | 22,620,000 | 22,930,000 | 22,970,000 | 22,820,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 704,246,000 | 639,897,000 | 648,282,000 | 649,943,000 |
| Interest-bearing deposits | 482,978,000 | 482,385,000 | 494,427,000 | 485,268,000 |
| Noninterest-bearing deposits | 221,268,000 | 157,512,000 | 153,855,000 | 164,675,000 |
| Equity capital | 81,921,000 | 82,639,000 | 83,573,000 | 82,912,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 8,143,000 | 16,441,000 | 24,751,000 | 33,055,000 |
| Interest expense | 664,000 | 1,339,000 | 1,972,000 | 2,628,000 |
| Net interest income | 7,479,000 | 15,102,000 | 22,779,000 | 30,427,000 |
| Noninterest income | 3,437,000 | 5,103,000 | 6,532,000 | 8,078,000 |
| Noninterest expense | 6,545,000 | 12,841,000 | 19,612,000 | 26,981,000 |
| Provision for loan losses | 375,000 | 1,800,000 | 1,085,000 | 2,645,000 |
| Pretax income | 3,996,000 | 5,564,000 | 8,614,000 | 8,879,000 |
| Income tax | 1,169,000 | 1,491,000 | 2,317,000 | 2,478,000 |
| Net income | 2,827,000 | 4,073,000 | 6,297,000 | 6,401,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 80,006,000 | 80,306,000 | 81,531,000 | 80,637,000 |
| Total capital | 86,049,000 | 87,417,000 | 88,167,000 | 87,670,000 |
| Risk-weighted assets | 555,225,000 | 568,348,000 | 568,588,000 | 561,691,000 |