Call reports 2007
OHIO RIVER BANK — 2007
What OHIO RIVER BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 85,639,000 | 87,155,000 | 85,798,000 | 84,568,000 |
| Total loans | 49,798,000 | 51,069,000 | 51,163,000 | 50,957,000 |
| Allowance for loan losses | 517,000 | 521,000 | 522,000 | 521,000 |
| Securities available for sale | 26,360,000 | 30,020,000 | 29,653,000 | 25,624,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 69,170,000 | 70,577,000 | 69,557,000 | 67,705,000 |
| Interest-bearing deposits | 60,007,000 | 62,201,000 | 59,717,000 | 59,731,000 |
| Noninterest-bearing deposits | 9,163,000 | 8,376,000 | 9,840,000 | 7,974,000 |
| Equity capital | 6,655,000 | 6,604,000 | 6,875,000 | 7,060,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,237,000 | 2,551,000 | 3,899,000 | 5,202,000 |
| Interest expense | 453,000 | 936,000 | 1,430,000 | 1,865,000 |
| Net interest income | 784,000 | 1,615,000 | 2,469,000 | 3,337,000 |
| Noninterest income | 117,000 | 268,000 | 403,000 | 555,000 |
| Noninterest expense | 542,000 | 1,086,000 | 1,638,000 | 2,186,000 |
| Provision for loan losses | 6,000 | 12,000 | 16,000 | 16,000 |
| Pretax income | 353,000 | 785,000 | 1,218,000 | 1,690,000 |
| Income tax | 108,000 | 244,000 | 380,000 | 530,000 |
| Net income | 245,000 | 541,000 | 838,000 | 1,160,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,797,000 | 6,862,000 | 6,939,000 | 7,016,000 |
| Total capital | 7,314,000 | 7,383,000 | 7,461,000 | 7,537,000 |
| Risk-weighted assets | 44,848,000 | 46,766,000 | 46,376,000 | 45,660,000 |