Call reports 2016
OHNWARD BANK & TRUST — 2016
What OHNWARD BANK & TRUST reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 232,713,000 | 239,405,000 | 242,259,000 | 247,809,000 |
| Total loans | 176,625,000 | 180,987,000 | 179,371,000 | 175,351,000 |
| Allowance for loan losses | 1,774,000 | 1,812,000 | 1,842,000 | 1,889,000 |
| Securities available for sale | 35,580,000 | 36,980,000 | 40,371,000 | 41,056,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 182,879,000 | 191,781,000 | 191,835,000 | 199,261,000 |
| Interest-bearing deposits | 160,730,000 | 168,752,000 | 166,587,000 | 170,751,000 |
| Noninterest-bearing deposits | 22,149,000 | 23,029,000 | 25,248,000 | 28,510,000 |
| Equity capital | 28,679,000 | 29,357,000 | 29,779,000 | 29,756,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 2,267,000 | 4,639,000 | 7,037,000 | 9,393,000 |
| Interest expense | 362,000 | 755,000 | 1,158,000 | 1,570,000 |
| Net interest income | 1,905,000 | 3,884,000 | 5,879,000 | 7,823,000 |
| Noninterest income | 175,000 | 357,000 | 571,000 | 785,000 |
| Noninterest expense | 1,319,000 | 2,660,000 | 4,018,000 | 5,436,000 |
| Provision for loan losses | 35,000 | 72,000 | 108,000 | 145,000 |
| Pretax income | 726,000 | 1,509,000 | 2,324,000 | 3,027,000 |
| Income tax | 229,000 | 479,000 | 740,000 | 957,000 |
| Net income | 497,000 | 1,030,000 | 1,584,000 | 2,070,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,822,000 | 27,360,000 | 27,919,000 | 28,410,000 |
| Total capital | 28,596,000 | 29,172,000 | 29,761,000 | 30,299,000 |
| Risk-weighted assets | 198,861,000 | 202,647,000 | 208,393,000 | 198,937,000 |