Call reports 2001
OHIO RIVER BANK — 2001
What OHIO RIVER BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 70,801,000 | 77,427,000 | 69,994,000 | 72,501,000 |
| Total loans | 38,066,000 | 37,483,000 | 35,931,000 | 36,820,000 |
| Allowance for loan losses | 491,000 | 484,000 | 476,000 | 443,000 |
| Securities available for sale | 28,135,000 | 34,332,000 | 30,383,000 | 30,766,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 60,869,000 | 71,775,000 | 63,620,000 | 60,180,000 |
| Interest-bearing deposits | 55,518,000 | 66,779,000 | 58,189,000 | 54,479,000 |
| Noninterest-bearing deposits | 5,351,000 | 4,996,000 | 5,431,000 | 5,701,000 |
| Equity capital | 5,316,000 | 5,334,000 | 5,822,000 | 5,910,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 1,315,000 | 2,590,000 | 3,843,000 | 5,021,000 |
| Interest expense | 711,000 | 1,415,000 | 2,061,000 | 2,618,000 |
| Net interest income | 604,000 | 1,175,000 | 1,782,000 | 2,403,000 |
| Noninterest income | 77,000 | 163,000 | 249,000 | 345,000 |
| Noninterest expense | 456,000 | 900,000 | 1,351,000 | 1,790,000 |
| Provision for loan losses | 13,000 | 27,000 | 40,000 | 53,000 |
| Pretax income | 225,000 | 458,000 | 687,000 | 952,000 |
| Income tax | 72,000 | 146,000 | 218,000 | 302,000 |
| Net income | 153,000 | 312,000 | 469,000 | 650,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,069,000 | 5,153,000 | 5,310,000 | 5,491,000 |
| Total capital | 5,560,000 | 5,637,000 | 5,786,000 | 5,934,000 |
| Risk-weighted assets | 39,316,000 | 40,821,000 | 38,232,000 | 38,299,000 |