Call reports 2019
OHNWARD BANK & TRUST — 2019
What OHNWARD BANK & TRUST reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 290,412,000 | 299,329,000 | 296,287,000 | 295,343,000 |
| Total loans | 212,573,000 | 224,466,000 | 223,948,000 | 222,691,000 |
| Allowance for loan losses | 2,193,000 | 2,206,000 | 2,238,000 | 2,274,000 |
| Securities available for sale | 39,421,000 | 39,161,000 | 39,583,000 | 43,394,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 234,681,000 | 245,380,000 | 239,933,000 | 237,647,000 |
| Interest-bearing deposits | 202,100,000 | 211,604,000 | 203,817,000 | 205,336,000 |
| Noninterest-bearing deposits | 32,581,000 | 33,776,000 | 36,116,000 | 32,311,000 |
| Equity capital | 35,705,000 | 36,857,000 | 37,893,000 | 38,780,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 3,257,000 | 6,699,000 | 10,242,000 | 13,675,000 |
| Interest expense | 908,000 | 1,868,000 | 2,886,000 | 3,819,000 |
| Net interest income | 2,349,000 | 4,831,000 | 7,356,000 | 9,856,000 |
| Noninterest income | 108,000 | 335,000 | 684,000 | 1,029,000 |
| Noninterest expense | 1,490,000 | 3,060,000 | 4,753,000 | 6,489,000 |
| Provision for loan losses | 36,000 | 72,000 | 109,000 | 146,000 |
| Pretax income | 931,000 | 2,034,000 | 3,178,000 | 4,250,000 |
| Income tax | 203,000 | 448,000 | 706,000 | 945,000 |
| Net income | 728,000 | 1,586,000 | 2,472,000 | 3,305,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,338,000 | 35,203,000 | 36,094,000 | 36,953,000 |
| Total capital | 36,541,000 | 37,419,000 | 38,343,000 | 39,227,000 |
| Risk-weighted assets | 245,332,000 | 250,112,000 | 252,405,000 | 252,626,000 |