Call reports 2009
OHIO HERITAGE BANK — 2009
What OHIO HERITAGE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 254,982,000 | 257,078,000 | 265,158,000 | 276,976,000 |
| Total loans | 192,636,000 | 194,716,000 | 197,504,000 | 198,060,000 |
| Allowance for loan losses | 2,333,000 | 2,219,000 | 2,186,000 | 2,400,000 |
| Securities available for sale | 16,206,000 | 15,275,000 | 18,984,000 | 22,140,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 154,120,000 | 155,591,000 | 164,112,000 | 174,051,000 |
| Interest-bearing deposits | 141,759,000 | 145,294,000 | 151,670,000 | 160,525,000 |
| Noninterest-bearing deposits | 12,361,000 | 10,297,000 | 12,442,000 | 13,526,000 |
| Equity capital | 20,082,000 | 20,148,000 | 20,245,000 | 20,286,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 3,230,000 | 6,474,000 | 9,728,000 | 12,961,000 |
| Interest expense | 1,615,000 | 3,186,000 | 4,758,000 | 6,304,000 |
| Net interest income | 1,615,000 | 3,288,000 | 4,970,000 | 6,657,000 |
| Noninterest income | 190,000 | 508,000 | 828,000 | 1,129,000 |
| Noninterest expense | 1,588,000 | 3,171,000 | 4,731,000 | 6,287,000 |
| Provision for loan losses | 830,000 | 1,010,000 | 1,495,000 | 1,750,000 |
| Pretax income | -613,000 | -384,000 | -252,000 | -74,000 |
| Income tax | -230,000 | -175,000 | -153,000 | -117,000 |
| Net income | -383,000 | -209,000 | -99,000 | 43,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,884,000 | 20,059,000 | 20,170,000 | 20,311,000 |
| Total capital | 21,892,000 | 22,085,000 | 22,245,000 | 22,422,000 |
| Risk-weighted assets | 160,308,000 | 161,332,000 | 165,898,000 | 168,622,000 |
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