Call reports 2015
OHIO VALLEY BANK COMPANY, THE — 2015
What OHIO VALLEY BANK COMPANY, THE reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 854,293,000 | 785,548,000 | 793,014,000 | 780,955,000 |
| Total loans | 582,622,000 | 581,368,000 | 573,232,000 | 573,821,000 |
| Allowance for loan losses | 7,892,000 | 7,116,000 | 6,575,000 | 6,320,000 |
| Securities available for sale | 89,974,000 | 84,963,000 | 87,891,000 | 91,651,000 |
| Securities held to maturity | 22,729,000 | 21,914,000 | 21,433,000 | 19,903,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 727,141,000 | 668,831,000 | 673,992,000 | 663,326,000 |
| Interest-bearing deposits | 502,676,000 | 494,121,000 | 505,583,000 | 484,510,000 |
| Noninterest-bearing deposits | 224,465,000 | 174,710,000 | 168,409,000 | 178,816,000 |
| Equity capital | 85,990,000 | 85,394,000 | 86,091,000 | 86,257,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 8,264,000 | 16,486,000 | 24,851,000 | 33,039,000 |
| Interest expense | 644,000 | 1,306,000 | 1,979,000 | 2,616,000 |
| Net interest income | 7,620,000 | 15,180,000 | 22,872,000 | 30,423,000 |
| Noninterest income | 3,027,000 | 4,679,000 | 6,152,000 | 7,680,000 |
| Noninterest expense | 6,899,000 | 13,964,000 | 21,231,000 | 27,699,000 |
| Provision for loan losses | -175,000 | 675,000 | 685,000 | 1,055,000 |
| Pretax income | 3,923,000 | 5,355,000 | 7,270,000 | 9,511,000 |
| Income tax | 1,145,000 | 1,443,000 | 1,955,000 | 2,510,000 |
| Net income | 2,778,000 | 3,912,000 | 5,315,000 | 7,001,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 83,463,000 | 83,597,000 | 84,001,000 | 84,686,000 |
| Total capital | 90,505,000 | 90,613,000 | 90,575,000 | 91,006,000 |
| Risk-weighted assets | 562,504,000 | 561,143,000 | 554,281,000 | 559,985,000 |