Call reports 2007
OHNWARD BANK & TRUST — 2007
What OHNWARD BANK & TRUST reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 95,828,000 | 96,204,000 | 97,843,000 | 102,789,000 |
| Total loans | 66,459,000 | 65,856,000 | 68,011,000 | 71,650,000 |
| Allowance for loan losses | 623,000 | 644,000 | 665,000 | 683,000 |
| Securities available for sale | 22,749,000 | 23,541,000 | 23,729,000 | 23,517,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 80,398,000 | 79,604,000 | 80,003,000 | 85,076,000 |
| Interest-bearing deposits | 72,934,000 | 72,508,000 | 72,726,000 | 74,106,000 |
| Noninterest-bearing deposits | 7,464,000 | 7,096,000 | 7,277,000 | 10,970,000 |
| Equity capital | 10,211,000 | 10,324,000 | 10,748,000 | 11,166,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,536,000 | 3,143,000 | 4,744,000 | 6,417,000 |
| Interest expense | 768,000 | 1,570,000 | 2,373,000 | 3,179,000 |
| Net interest income | 768,000 | 1,573,000 | 2,371,000 | 3,238,000 |
| Noninterest income | 118,000 | 254,000 | 377,000 | 540,000 |
| Noninterest expense | 592,000 | 1,163,000 | 1,749,000 | 2,335,000 |
| Provision for loan losses | 18,000 | 36,000 | 55,000 | 73,000 |
| Pretax income | 281,000 | 633,000 | 949,000 | 1,375,000 |
| Income tax | 79,000 | 183,000 | 273,000 | 406,000 |
| Net income | 202,000 | 450,000 | 676,000 | 969,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,432,000 | 9,683,000 | 9,914,000 | 10,211,000 |
| Total capital | 10,055,000 | 10,327,000 | 10,579,000 | 10,894,000 |
| Risk-weighted assets | 74,219,000 | 74,166,000 | 76,579,000 | 79,505,000 |
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