Call reports 2016
OHIO VALLEY BANK COMPANY, THE — 2016
What OHIO VALLEY BANK COMPANY, THE reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 869,615,000 | 810,987,000 | 954,844,000 | 939,427,000 |
| Total loans | 574,762,000 | 591,663,000 | 710,481,000 | 722,972,000 |
| Allowance for loan losses | 6,540,000 | 6,593,000 | 7,201,000 | 7,371,000 |
| Securities available for sale | 87,979,000 | 94,406,000 | 104,860,000 | 96,490,000 |
| Securities held to maturity | 19,506,000 | 19,310,000 | 19,651,000 | 18,666,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 744,801,000 | 681,777,000 | 810,270,000 | 793,544,000 |
| Interest-bearing deposits | 500,626,000 | 494,227,000 | 590,122,000 | 581,161,000 |
| Noninterest-bearing deposits | 244,175,000 | 187,550,000 | 220,148,000 | 212,383,000 |
| Equity capital | 88,998,000 | 89,916,000 | 105,812,000 | 104,158,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 8,339,000 | 16,667,000 | 25,904,000 | 36,056,000 |
| Interest expense | 609,000 | 1,253,000 | 1,990,000 | 2,682,000 |
| Net interest income | 7,730,000 | 15,414,000 | 23,914,000 | 33,374,000 |
| Noninterest income | 2,870,000 | 4,596,000 | 6,262,000 | 7,488,000 |
| Noninterest expense | 7,308,000 | 14,490,000 | 22,578,000 | 30,594,000 |
| Provision for loan losses | 375,000 | 505,000 | 2,180,000 | 2,665,000 |
| Pretax income | 2,917,000 | 5,015,000 | 5,418,000 | 7,603,000 |
| Income tax | 795,000 | 1,305,000 | 1,246,000 | 1,780,000 |
| Net income | 2,122,000 | 3,710,000 | 4,172,000 | 5,823,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 86,808,000 | 87,396,000 | 97,447,000 | 96,946,000 |
| Total capital | 93,348,000 | 93,989,000 | 104,648,000 | 104,317,000 |
| Risk-weighted assets | 559,502,000 | 574,691,000 | 678,067,000 | 682,890,000 |