Call reports 2012
OHNWARD BANK & TRUST — 2012
What OHNWARD BANK & TRUST reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 187,557,000 | 189,527,000 | 187,618,000 | 196,473,000 |
| Total loans | 128,562,000 | 130,862,000 | 131,054,000 | 142,920,000 |
| Allowance for loan losses | 1,841,000 | 1,877,000 | 1,768,000 | 1,802,000 |
| Securities available for sale | 33,698,000 | 33,170,000 | 31,599,000 | 34,285,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 156,807,000 | 158,034,000 | 156,659,000 | 160,326,000 |
| Interest-bearing deposits | 141,011,000 | 142,308,000 | 139,441,000 | 136,017,000 |
| Noninterest-bearing deposits | 15,796,000 | 15,726,000 | 17,218,000 | 24,309,000 |
| Equity capital | 21,228,000 | 21,658,000 | 22,115,000 | 22,463,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,131,000 | 4,213,000 | 6,232,000 | 8,251,000 |
| Interest expense | 550,000 | 1,036,000 | 1,494,000 | 1,896,000 |
| Net interest income | 1,581,000 | 3,177,000 | 4,738,000 | 6,355,000 |
| Noninterest income | 148,000 | 324,000 | 474,000 | 745,000 |
| Noninterest expense | 1,171,000 | 2,346,000 | 3,439,000 | 4,681,000 |
| Provision for loan losses | 30,000 | 60,000 | 81,000 | 109,000 |
| Pretax income | 528,000 | 1,095,000 | 1,692,000 | 2,310,000 |
| Income tax | 155,000 | 326,000 | 510,000 | 702,000 |
| Net income | 373,000 | 769,000 | 1,182,000 | 1,608,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,916,000 | 19,321,000 | 19,744,000 | 20,179,000 |
| Total capital | 20,685,000 | 21,058,000 | 21,512,000 | 21,981,000 |
| Risk-weighted assets | 141,475,000 | 138,833,000 | 141,690,000 | 155,202,000 |
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