Call reports 2005
OHIO RIVER BANK — 2005
What OHIO RIVER BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 82,090,000 | 83,938,000 | 84,297,000 | 80,116,000 |
| Total loans | 45,467,000 | 46,084,000 | 46,606,000 | 47,047,000 |
| Allowance for loan losses | 499,000 | 504,000 | 499,000 | 496,000 |
| Securities available for sale | 30,115,000 | 30,084,000 | 29,425,000 | 29,085,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 68,628,000 | 70,214,000 | 68,659,000 | 64,259,000 |
| Interest-bearing deposits | 59,031,000 | 61,761,000 | 59,184,000 | 55,603,000 |
| Noninterest-bearing deposits | 9,597,000 | 8,453,000 | 9,475,000 | 8,656,000 |
| Equity capital | 6,003,000 | 6,199,000 | 6,170,000 | 6,196,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,010,000 | 2,035,000 | 3,107,000 | 4,197,000 |
| Interest expense | 266,000 | 554,000 | 858,000 | 1,170,000 |
| Net interest income | 744,000 | 1,481,000 | 2,249,000 | 3,027,000 |
| Noninterest income | 94,000 | 177,000 | 262,000 | 356,000 |
| Noninterest expense | 509,000 | 1,055,000 | 1,606,000 | 2,114,000 |
| Provision for loan losses | 22,000 | 42,000 | 42,000 | 42,000 |
| Pretax income | 307,000 | 561,000 | 863,000 | 1,227,000 |
| Income tax | 97,000 | 176,000 | 269,000 | 384,000 |
| Net income | 210,000 | 385,000 | 594,000 | 843,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,310,000 | 6,350,000 | 6,408,000 | 6,482,000 |
| Total capital | 6,809,000 | 6,854,000 | 6,907,000 | 6,978,000 |
| Risk-weighted assets | 43,721,000 | 44,037,000 | 43,997,000 | 42,921,000 |