Call reports 2019
OHIO VALLEY BANK COMPANY, THE — 2019
What OHIO VALLEY BANK COMPANY, THE reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 1,030,395,000 | 1,020,035,000 | 1,030,492,000 | 998,211,000 |
| Total loans | 770,403,000 | 765,919,000 | 769,657,000 | 761,664,000 |
| Allowance for loan losses | 7,588,000 | 7,036,000 | 5,824,000 | 5,944,000 |
| Securities available for sale | 110,281,000 | 107,053,000 | 111,242,000 | 105,318,000 |
| Securities held to maturity | 15,590,000 | 13,577,000 | 13,485,000 | 12,033,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 867,255,000 | 852,958,000 | 861,696,000 | 826,139,000 |
| Interest-bearing deposits | 621,365,000 | 614,954,000 | 623,546,000 | 599,238,000 |
| Noninterest-bearing deposits | 245,890,000 | 238,004,000 | 238,150,000 | 226,901,000 |
| Equity capital | 116,466,000 | 119,571,000 | 120,425,000 | 122,793,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 11,697,000 | 23,608,000 | 35,560,000 | 47,117,000 |
| Interest expense | 1,537,000 | 3,242,000 | 5,019,000 | 6,780,000 |
| Net interest income | 10,160,000 | 20,366,000 | 30,541,000 | 40,337,000 |
| Noninterest income | 1,864,000 | 3,853,000 | 5,906,000 | 9,132,000 |
| Noninterest expense | 9,011,000 | 18,421,000 | 27,693,000 | 37,814,000 |
| Provision for loan losses | 2,250,000 | 1,450,000 | 1,900,000 | 875,000 |
| Pretax income | 763,000 | 4,348,000 | 6,854,000 | 10,780,000 |
| Income tax | 35,000 | 665,000 | 1,118,000 | 1,810,000 |
| Net income | 728,000 | 3,683,000 | 5,736,000 | 8,970,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 109,305,000 | 111,290,000 | 112,372,000 | 114,772,000 |
| Total capital | 116,893,000 | 118,326,000 | 118,196,000 | 120,716,000 |
| Risk-weighted assets | 718,403,000 | 708,614,000 | 715,423,000 | 711,137,000 |