Call reports 2013
OHNWARD BANK & TRUST — 2013
What OHNWARD BANK & TRUST reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 194,196,000 | 198,836,000 | 196,551,000 | 200,225,000 |
| Total loans | 143,239,000 | 148,929,000 | 143,856,000 | 147,810,000 |
| Allowance for loan losses | 1,846,000 | 1,850,000 | 1,868,000 | 1,860,000 |
| Securities available for sale | 34,549,000 | 33,031,000 | 33,009,000 | 35,693,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 160,018,000 | 158,325,000 | 161,247,000 | 161,757,000 |
| Interest-bearing deposits | 140,276,000 | 138,127,000 | 140,553,000 | 139,914,000 |
| Noninterest-bearing deposits | 19,742,000 | 20,198,000 | 20,694,000 | 21,843,000 |
| Equity capital | 22,812,000 | 22,968,000 | 23,473,000 | 23,903,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 2,067,000 | 4,171,000 | 6,242,000 | 8,303,000 |
| Interest expense | 367,000 | 709,000 | 1,032,000 | 1,343,000 |
| Net interest income | 1,700,000 | 3,462,000 | 5,210,000 | 6,960,000 |
| Noninterest income | 223,000 | 403,000 | 570,000 | 765,000 |
| Noninterest expense | 1,281,000 | 2,459,000 | 3,682,000 | 4,902,000 |
| Provision for loan losses | 54,000 | 109,000 | 146,000 | 164,000 |
| Pretax income | 588,000 | 1,301,000 | 1,956,000 | 2,663,000 |
| Income tax | 180,000 | 408,000 | 616,000 | 840,000 |
| Net income | 408,000 | 893,000 | 1,340,000 | 1,823,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,596,000 | 21,089,000 | 21,545,000 | 22,039,000 |
| Total capital | 22,442,000 | 22,939,000 | 23,413,000 | 23,899,000 |
| Risk-weighted assets | 156,388,000 | 161,836,000 | 158,418,000 | 161,321,000 |
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