Call reports 2004
OHIO RIVER BANK — 2004
What OHIO RIVER BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 77,107,000 | 78,267,000 | 84,441,000 | 80,686,000 |
| Total loans | 43,190,000 | 44,519,000 | 44,630,000 | 45,983,000 |
| Allowance for loan losses | 450,000 | 463,000 | 466,000 | 476,000 |
| Securities available for sale | 29,644,000 | 28,935,000 | 30,973,000 | 30,608,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 63,283,000 | 62,482,000 | 70,886,000 | 65,678,000 |
| Interest-bearing deposits | 53,080,000 | 51,286,000 | 60,780,000 | 57,046,000 |
| Noninterest-bearing deposits | 10,203,000 | 11,196,000 | 10,106,000 | 8,632,000 |
| Equity capital | 6,201,000 | 5,895,000 | 6,234,000 | 6,140,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 947,000 | 1,882,000 | 2,859,000 | 3,842,000 |
| Interest expense | 199,000 | 404,000 | 657,000 | 938,000 |
| Net interest income | 748,000 | 1,478,000 | 2,202,000 | 2,904,000 |
| Noninterest income | 100,000 | 201,000 | 305,000 | 402,000 |
| Noninterest expense | 466,000 | 993,000 | 1,485,000 | 1,983,000 |
| Provision for loan losses | 0 | 13,000 | 27,000 | 41,000 |
| Pretax income | 382,000 | 673,000 | 995,000 | 1,282,000 |
| Income tax | 123,000 | 214,000 | 316,000 | 406,000 |
| Net income | 259,000 | 459,000 | 679,000 | 876,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,003,000 | 6,013,000 | 6,235,000 | 6,254,000 |
| Total capital | 6,453,000 | 6,476,000 | 6,702,000 | 6,730,000 |
| Risk-weighted assets | 42,063,000 | 42,822,000 | 43,985,000 | 43,800,000 |