Call reports 2021
OHIO VALLEY BANK COMPANY, THE — 2021
What OHIO VALLEY BANK COMPANY, THE reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 1,209,887,000 | 1,220,271,000 | 1,228,291,000 | 1,233,579,000 |
| Total loans | 820,380,000 | 836,951,000 | 834,641,000 | 820,086,000 |
| Allowance for loan losses | 6,559,000 | 6,471,000 | 6,336,000 | 6,155,000 |
| Securities available for sale | 126,394,000 | 172,555,000 | 173,448,000 | 177,001,000 |
| Securities held to maturity | 11,137,000 | 10,845,000 | 9,753,000 | 10,293,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,036,195,000 | 1,048,123,000 | 1,055,873,000 | 1,065,732,000 |
| Interest-bearing deposits | 705,048,000 | 720,911,000 | 720,882,000 | 706,733,000 |
| Noninterest-bearing deposits | 331,147,000 | 327,212,000 | 334,991,000 | 358,999,000 |
| Equity capital | 132,621,000 | 134,129,000 | 134,755,000 | 134,291,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 10,631,000 | 21,344,000 | 32,046,000 | 42,590,000 |
| Interest expense | 1,027,000 | 1,963,000 | 2,785,000 | 3,511,000 |
| Net interest income | 9,604,000 | 19,381,000 | 29,261,000 | 39,079,000 |
| Noninterest income | 2,591,000 | 5,013,000 | 7,653,000 | 10,218,000 |
| Noninterest expense | 8,751,000 | 17,709,000 | 26,784,000 | 35,812,000 |
| Provision for loan losses | -50,000 | -50,000 | -150,000 | -500,000 |
| Pretax income | 3,494,000 | 6,735,000 | 10,280,000 | 12,919,000 |
| Income tax | 619,000 | 1,180,000 | 1,783,000 | 2,256,000 |
| Net income | 2,875,000 | 5,555,000 | 8,497,000 | 10,663,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 123,878,000 | 125,570,000 | 126,275,000 | 126,201,000 |