Call reports 2008
OHIO HERITAGE BANK — 2008
What OHIO HERITAGE BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 235,791,000 | 242,880,000 | 242,680,000 | 250,491,000 |
| Total loans | 186,367,000 | 189,415,000 | 191,796,000 | 194,733,000 |
| Allowance for loan losses | 1,542,000 | 1,651,000 | 1,801,000 | 1,965,000 |
| Securities available for sale | 10,761,000 | 11,172,000 | 11,517,000 | 13,810,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 144,543,000 | 145,383,000 | 145,179,000 | 149,657,000 |
| Interest-bearing deposits | 132,821,000 | 132,750,000 | 132,935,000 | 138,163,000 |
| Noninterest-bearing deposits | 11,722,000 | 12,633,000 | 12,244,000 | 11,494,000 |
| Equity capital | 19,844,000 | 19,905,000 | 20,173,000 | 19,979,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 3,493,000 | 6,889,000 | 10,292,000 | 13,649,000 |
| Interest expense | 1,829,000 | 3,624,000 | 5,384,000 | 7,099,000 |
| Net interest income | 1,664,000 | 3,265,000 | 4,908,000 | 6,550,000 |
| Noninterest income | 294,000 | 597,000 | 889,000 | 1,190,000 |
| Noninterest expense | 1,391,000 | 2,782,000 | 4,199,000 | 5,728,000 |
| Provision for loan losses | 150,000 | 270,000 | 415,000 | 640,000 |
| Pretax income | 418,000 | 816,000 | 1,189,000 | 1,378,000 |
| Income tax | 102,000 | 218,000 | 326,000 | 370,000 |
| Net income | 316,000 | 598,000 | 863,000 | 1,008,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,714,000 | 19,996,000 | 20,261,000 | 19,806,000 |
| Total capital | 21,256,000 | 21,647,000 | 22,062,000 | 21,771,000 |
| Risk-weighted assets | 156,237,000 | 158,406,000 | 158,419,000 | 161,836,000 |
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