Call reports 2023
OHNWARD BANK & TRUST — 2023
What OHNWARD BANK & TRUST reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 385,622,000 | 386,107,000 | 395,911,000 | 411,177,000 |
| Total loans | 287,380,000 | 281,587,000 | 300,227,000 | 313,368,000 |
| Allowance for loan losses | 2,916,000 | 3,050,000 | 3,096,000 | 3,231,000 |
| Securities available for sale | 73,165,000 | 72,801,000 | 70,682,000 | 72,983,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 314,837,000 | 314,720,000 | 315,091,000 | 329,081,000 |
| Interest-bearing deposits | 253,070,000 | 245,472,000 | 249,265,000 | 266,862,000 |
| Noninterest-bearing deposits | 61,767,000 | 69,248,000 | 65,826,000 | 62,219,000 |
| Equity capital | 43,651,000 | 43,640,000 | 43,313,000 | 46,782,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 4,308,000 | 8,873,000 | 13,761,000 | 19,070,000 |
| Interest expense | 1,020,000 | 2,456,000 | 4,194,000 | 6,237,000 |
| Net interest income | 3,288,000 | 6,417,000 | 9,567,000 | 12,833,000 |
| Noninterest income | 300,000 | 648,000 | 957,000 | 1,325,000 |
| Noninterest expense | 2,082,000 | 4,233,000 | 6,407,000 | 8,669,000 |
| Provision for loan losses | -210,000 | -85,000 | -39,000 | 96,000 |
| Pretax income | 1,461,000 | 2,751,000 | 3,993,000 | 5,332,000 |
| Income tax | 336,000 | 628,000 | 911,000 | 1,220,000 |
| Net income | 1,125,000 | 2,123,000 | 3,082,000 | 4,112,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 49,058,000 | 49,706,000 | 50,665,000 | 51,345,000 |
| Total capital | 52,569,000 | 53,271,000 | 54,276,000 | 55,001,000 |
| Risk-weighted assets | 342,020,000 | 343,490,000 | 353,628,000 | 367,089,000 |
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