Call reports 2009
OHNWARD BANK & TRUST — 2009
What OHNWARD BANK & TRUST reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 115,845,000 | 114,094,000 | 117,692,000 | 168,728,000 |
| Total loans | 85,628,000 | 83,446,000 | 83,706,000 | 125,945,000 |
| Allowance for loan losses | 805,000 | 817,000 | 889,000 | 1,576,000 |
| Securities available for sale | 21,044,000 | 19,909,000 | 22,653,000 | 25,228,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 89,959,000 | 93,879,000 | 96,692,000 | 143,197,000 |
| Interest-bearing deposits | 81,416,000 | 84,984,000 | 87,543,000 | 129,246,000 |
| Noninterest-bearing deposits | 8,543,000 | 8,895,000 | 9,149,000 | 13,951,000 |
| Equity capital | 12,915,000 | 13,210,000 | 13,614,000 | 18,122,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,627,000 | 3,274,000 | 4,899,000 | 9,059,000 |
| Interest expense | 547,000 | 1,089,000 | 1,649,000 | 3,390,000 |
| Net interest income | 1,080,000 | 2,185,000 | 3,250,000 | 5,669,000 |
| Noninterest income | 136,000 | 269,000 | 433,000 | 1,029,000 |
| Noninterest expense | 740,000 | 1,487,000 | 2,192,000 | 4,594,000 |
| Provision for loan losses | 18,000 | 56,000 | 135,000 | 251,000 |
| Pretax income | 458,000 | 911,000 | 1,356,000 | 1,853,000 |
| Income tax | 143,000 | 285,000 | 421,000 | 575,000 |
| Net income | 315,000 | 626,000 | 935,000 | 1,278,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,719,000 | 12,034,000 | 12,347,000 | 15,874,000 |
| Total capital | 12,524,000 | 12,851,000 | 13,236,000 | 17,450,000 |
| Risk-weighted assets | 94,624,000 | 92,544,000 | 93,327,000 | 131,342,000 |
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