Call reports 2006
OHIO RIVER BANK — 2006
What OHIO RIVER BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 80,773,000 | 80,764,000 | 81,386,000 | 80,121,000 |
| Total loans | 47,028,000 | 48,208,000 | 49,532,000 | 49,745,000 |
| Allowance for loan losses | 504,000 | 504,000 | 508,000 | 512,000 |
| Securities available for sale | 27,779,000 | 25,401,000 | 24,511,000 | 24,393,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 65,069,000 | 64,937,000 | 65,278,000 | 63,856,000 |
| Interest-bearing deposits | 57,022,000 | 56,098,000 | 57,586,000 | 56,018,000 |
| Noninterest-bearing deposits | 8,047,000 | 8,839,000 | 7,693,000 | 7,838,000 |
| Equity capital | 6,179,000 | 6,147,000 | 6,433,000 | 6,523,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,084,000 | 2,198,000 | 3,357,000 | 4,550,000 |
| Interest expense | 322,000 | 686,000 | 1,084,000 | 1,507,000 |
| Net interest income | 762,000 | 1,512,000 | 2,273,000 | 3,043,000 |
| Noninterest income | 88,000 | 193,000 | 302,000 | 429,000 |
| Noninterest expense | 508,000 | 1,033,000 | 1,563,000 | 2,105,000 |
| Provision for loan losses | 6,000 | 12,000 | 14,000 | 18,000 |
| Pretax income | 336,000 | 660,000 | 998,000 | 1,349,000 |
| Income tax | 105,000 | 205,000 | 310,000 | 416,000 |
| Net income | 231,000 | 455,000 | 688,000 | 933,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,539,000 | 6,603,000 | 6,655,000 | 6,721,000 |
| Total capital | 7,043,000 | 7,107,000 | 7,163,000 | 7,233,000 |
| Risk-weighted assets | 42,740,000 | 43,553,000 | 44,569,000 | 43,706,000 |