Call reports 2018
OHIO VALLEY BANK COMPANY, THE — 2018
What OHIO VALLEY BANK COMPANY, THE reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 1,082,987,000 | 1,010,798,000 | 1,017,761,000 | 1,014,990,000 |
| Total loans | 757,618,000 | 771,375,000 | 771,511,000 | 765,317,000 |
| Allowance for loan losses | 7,565,000 | 7,294,000 | 7,987,000 | 6,400,000 |
| Securities available for sale | 105,457,000 | 100,165,000 | 104,878,000 | 102,164,000 |
| Securities held to maturity | 17,353,000 | 17,313,000 | 17,219,000 | 15,815,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 924,404,000 | 851,079,000 | 857,557,000 | 851,512,000 |
| Interest-bearing deposits | 606,765,000 | 604,716,000 | 621,653,000 | 609,667,000 |
| Noninterest-bearing deposits | 317,639,000 | 246,363,000 | 235,904,000 | 241,845,000 |
| Equity capital | 108,965,000 | 110,414,000 | 110,689,000 | 114,161,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 11,287,000 | 22,615,000 | 34,197,000 | 45,841,000 |
| Interest expense | 1,078,000 | 2,249,000 | 3,536,000 | 4,960,000 |
| Net interest income | 10,209,000 | 20,366,000 | 30,661,000 | 40,881,000 |
| Noninterest income | 2,695,000 | 5,084,000 | 7,000,000 | 8,342,000 |
| Noninterest expense | 9,262,000 | 18,483,000 | 27,776,000 | 35,644,000 |
| Provision for loan losses | 600,000 | 600,000 | 1,550,000 | 850,000 |
| Pretax income | 3,042,000 | 6,367,000 | 8,335,000 | 12,729,000 |
| Income tax | 503,000 | 1,057,000 | 1,327,000 | 2,146,000 |
| Net income | 2,539,000 | 5,310,000 | 7,008,000 | 10,583,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 103,231,000 | 105,211,000 | 105,940,000 | 108,547,000 |
| Total capital | 110,796,000 | 112,505,000 | 113,927,000 | 114,947,000 |
| Risk-weighted assets | 708,461,000 | 718,022,000 | 719,620,000 | 710,815,000 |