Call reports 2002
OHIO RIVER BANK — 2002
What OHIO RIVER BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 69,053,000 | 72,550,000 | 73,213,000 | 76,302,000 |
| Total loans | 37,999,000 | 39,070,000 | 38,929,000 | 38,749,000 |
| Allowance for loan losses | 469,000 | 496,000 | 522,000 | 526,000 |
| Securities available for sale | 26,534,000 | 27,170,000 | 27,568,000 | 30,619,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 59,487,000 | 66,217,000 | 66,835,000 | 69,782,000 |
| Interest-bearing deposits | 53,510,000 | 58,767,000 | 58,483,000 | 59,858,000 |
| Noninterest-bearing deposits | 5,977,000 | 7,450,000 | 8,352,000 | 9,924,000 |
| Equity capital | 5,673,000 | 5,898,000 | 5,947,000 | 6,111,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,143,000 | 2,243,000 | 3,343,000 | 4,422,000 |
| Interest expense | 477,000 | 926,000 | 1,351,000 | 1,796,000 |
| Net interest income | 666,000 | 1,317,000 | 1,992,000 | 2,626,000 |
| Noninterest income | 80,000 | 176,000 | 269,000 | 368,000 |
| Noninterest expense | 445,000 | 906,000 | 1,358,000 | 1,815,000 |
| Provision for loan losses | 23,000 | 40,000 | 90,000 | 90,000 |
| Pretax income | 278,000 | 547,000 | 813,000 | 1,089,000 |
| Income tax | 89,000 | 175,000 | 259,000 | 346,000 |
| Net income | 189,000 | 372,000 | 554,000 | 743,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,380,000 | 5,563,000 | 5,595,000 | 5,783,000 |
| Total capital | 5,849,000 | 6,059,000 | 6,089,000 | 6,278,000 |
| Risk-weighted assets | 38,186,000 | 39,752,000 | 39,529,000 | 39,646,000 |