Call reports 2020
OHNWARD BANK & TRUST — 2020
What OHNWARD BANK & TRUST reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 297,522,000 | 337,276,000 | 342,376,000 | 364,756,000 |
| Total loans | 231,014,000 | 266,211,000 | 263,998,000 | 264,583,000 |
| Allowance for loan losses | 2,344,000 | 3,041,000 | 3,088,000 | 3,132,000 |
| Securities available for sale | 43,787,000 | 41,986,000 | 47,460,000 | 54,422,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 235,530,000 | 268,371,000 | 272,338,000 | 295,868,000 |
| Interest-bearing deposits | 203,078,000 | 211,343,000 | 223,246,000 | 242,647,000 |
| Noninterest-bearing deposits | 32,452,000 | 57,028,000 | 49,092,000 | 53,221,000 |
| Equity capital | 39,384,000 | 40,937,000 | 41,970,000 | 42,941,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 3,375,000 | 7,526,000 | 11,010,000 | 14,319,000 |
| Interest expense | 833,000 | 1,505,000 | 2,092,000 | 2,635,000 |
| Net interest income | 2,542,000 | 6,021,000 | 8,918,000 | 11,684,000 |
| Noninterest income | 326,000 | 916,000 | 1,568,000 | 2,520,000 |
| Noninterest expense | 1,758,000 | 3,865,000 | 6,026,000 | 8,410,000 |
| Provision for loan losses | 66,000 | 761,000 | 807,000 | 853,000 |
| Pretax income | 1,044,000 | 2,311,000 | 3,653,000 | 4,941,000 |
| Income tax | 233,000 | 520,000 | 830,000 | 1,125,000 |
| Net income | 811,000 | 1,791,000 | 2,823,000 | 3,816,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,771,000 | 38,754,000 | 39,785,000 | 40,779,000 |
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