Call reports 2007
OHIO HERITAGE BANK — 2007
What OHIO HERITAGE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 208,915,000 | 212,918,000 | 219,070,000 | 226,314,000 |
| Total loans | 172,100,000 | 172,712,000 | 177,910,000 | 182,954,000 |
| Allowance for loan losses | 1,616,000 | 1,617,000 | 1,566,000 | 1,562,000 |
| Securities available for sale | 9,103,000 | 10,794,000 | 12,444,000 | 10,406,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 137,109,000 | 137,006,000 | 138,340,000 | 142,041,000 |
| Interest-bearing deposits | 125,753,000 | 125,481,000 | 127,249,000 | 130,431,000 |
| Noninterest-bearing deposits | 11,356,000 | 11,525,000 | 11,091,000 | 11,610,000 |
| Equity capital | 17,988,000 | 18,450,000 | 18,956,000 | 19,475,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 3,308,000 | 6,744,000 | 10,251,000 | 13,891,000 |
| Interest expense | 1,692,000 | 3,430,000 | 5,231,000 | 7,103,000 |
| Net interest income | 1,616,000 | 3,314,000 | 5,020,000 | 6,788,000 |
| Noninterest income | 308,000 | 666,000 | 1,010,000 | 1,355,000 |
| Noninterest expense | 1,499,000 | 2,805,000 | 4,161,000 | 5,577,000 |
| Provision for loan losses | 681,000 | 714,000 | 724,000 | 770,000 |
| Pretax income | -256,000 | 461,000 | 1,145,000 | 1,796,000 |
| Income tax | -88,000 | 134,000 | 347,000 | 549,000 |
| Net income | -168,000 | 327,000 | 798,000 | 1,247,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,983,000 | 18,478,000 | 18,948,000 | 19,398,000 |
| Total capital | 19,599,000 | 20,095,000 | 20,514,000 | 20,960,000 |
| Risk-weighted assets | 145,108,000 | 146,209,000 | 147,559,000 | 150,885,000 |
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