Call reports 2003
OHIO RIVER BANK — 2003
What OHIO RIVER BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 77,365,000 | 75,441,000 | 76,210,000 | 76,534,000 |
| Total loans | 38,769,000 | 39,709,000 | 40,169,000 | 40,824,000 |
| Allowance for loan losses | 547,000 | 554,000 | 551,000 | 555,000 |
| Securities available for sale | 31,700,000 | 31,115,000 | 28,497,000 | 30,210,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 69,733,000 | 68,604,000 | 69,868,000 | 70,344,000 |
| Interest-bearing deposits | 60,291,000 | 60,860,000 | 60,849,000 | 59,509,000 |
| Noninterest-bearing deposits | 9,442,000 | 7,744,000 | 9,019,000 | 10,835,000 |
| Equity capital | 6,200,000 | 6,344,000 | 6,211,000 | 6,069,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 994,000 | 1,994,000 | 2,938,000 | 3,883,000 |
| Interest expense | 282,000 | 540,000 | 758,000 | 970,000 |
| Net interest income | 712,000 | 1,454,000 | 2,180,000 | 2,913,000 |
| Noninterest income | 92,000 | 204,000 | 326,000 | 447,000 |
| Noninterest expense | 485,000 | 959,000 | 1,434,000 | 1,899,000 |
| Provision for loan losses | 21,000 | 28,000 | 28,000 | 28,000 |
| Pretax income | 298,000 | 671,000 | 1,044,000 | 1,433,000 |
| Income tax | 95,000 | 215,000 | 335,000 | 458,000 |
| Net income | 203,000 | 456,000 | 709,000 | 975,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,911,000 | 5,965,000 | 6,017,000 | 5,933,000 |
| Total capital | 6,418,000 | 6,519,000 | 6,532,000 | 6,447,000 |
| Risk-weighted assets | 40,534,000 | 44,620,000 | 41,185,000 | 41,088,000 |