Call reports 2004
OHIO HERITAGE BANK — 2004
What OHIO HERITAGE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 178,622,000 | 175,541,000 | 178,880,000 | 180,960,000 |
| Total loans | 139,039,000 | 141,143,000 | 144,520,000 | 147,650,000 |
| Allowance for loan losses | 873,000 | 757,000 | 749,000 | 707,000 |
| Securities available for sale | 22,556,000 | 21,921,000 | 17,011,000 | 15,641,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 113,162,000 | 109,724,000 | 108,201,000 | 111,010,000 |
| Interest-bearing deposits | 104,385,000 | 101,240,000 | 99,057,000 | 101,731,000 |
| Noninterest-bearing deposits | 8,777,000 | 8,484,000 | 9,144,000 | 9,279,000 |
| Equity capital | 12,500,000 | 12,608,000 | 13,222,000 | 13,631,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 2,302,000 | 4,600,000 | 6,935,000 | 9,357,000 |
| Interest expense | 958,000 | 1,930,000 | 2,939,000 | 3,966,000 |
| Net interest income | 1,344,000 | 2,670,000 | 3,996,000 | 5,391,000 |
| Noninterest income | 227,000 | 460,000 | 648,000 | 808,000 |
| Noninterest expense | 1,008,000 | 1,909,000 | 2,805,000 | 3,723,000 |
| Provision for loan losses | 30,000 | 45,000 | 90,000 | 100,000 |
| Pretax income | 620,000 | 1,296,000 | 1,932,000 | 2,559,000 |
| Income tax | 191,000 | 404,000 | 590,000 | 746,000 |
| Net income | 429,000 | 892,000 | 1,342,000 | 1,813,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,385,000 | 12,848,000 | 13,298,000 | 13,769,000 |
| Total capital | 13,258,000 | 13,605,000 | 14,047,000 | 14,476,000 |
| Risk-weighted assets | 112,433,000 | 112,963,000 | 115,903,000 | 116,155,000 |
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