Call reports 2020
OHIO VALLEY BANK COMPANY, THE — 2020
What OHIO VALLEY BANK COMPANY, THE reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 1,021,704,000 | 1,088,805,000 | 1,121,710,000 | 1,171,756,000 |
| Total loans | 765,305,000 | 821,175,000 | 843,050,000 | 837,930,000 |
| Allowance for loan losses | 8,400,000 | 7,653,000 | 7,402,000 | 6,832,000 |
| Securities available for sale | 112,191,000 | 114,987,000 | 110,349,000 | 112,323,000 |
| Securities held to maturity | 11,808,000 | 11,769,000 | 11,674,000 | 10,020,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 850,768,000 | 916,284,000 | 949,801,000 | 998,141,000 |
| Interest-bearing deposits | 633,980,000 | 646,979,000 | 676,345,000 | 679,351,000 |
| Noninterest-bearing deposits | 216,788,000 | 269,305,000 | 273,456,000 | 318,790,000 |
| Equity capital | 125,437,000 | 126,698,000 | 127,769,000 | 130,855,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 11,249,000 | 22,156,000 | 33,202,000 | 43,987,000 |
| Interest expense | 1,683,000 | 3,220,000 | 4,652,000 | 5,910,000 |
| Net interest income | 9,566,000 | 18,936,000 | 28,550,000 | 38,077,000 |
| Noninterest income | 3,562,000 | 5,811,000 | 8,300,000 | 10,606,000 |
| Noninterest expense | 8,993,000 | 18,203,000 | 27,650,000 | 34,585,000 |
| Provision for loan losses | 3,845,000 | 3,445,000 | 3,445,000 | 2,945,000 |
| Pretax income | 290,000 | 3,099,000 | 5,755,000 | 11,153,000 |
| Income tax | -33,000 | 581,000 | 955,000 | 1,998,000 |
| Net income | 323,000 | 2,518,000 | 4,800,000 | 9,155,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 115,113,000 | 116,325,000 | 117,620,000 | 120,989,000 |