Call reports 2008
OHIO RIVER BANK — 2008
What OHIO RIVER BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 90,121,000 | 94,961,000 | 94,507,000 | 91,186,000 |
| Total loans | 48,589,000 | 52,815,000 | 55,793,000 | 56,819,000 |
| Allowance for loan losses | 521,000 | 514,000 | 513,000 | 524,000 |
| Securities available for sale | 27,745,000 | 31,071,000 | 31,547,000 | 29,729,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 73,166,000 | 67,213,000 | 66,566,000 | 65,626,000 |
| Interest-bearing deposits | 64,517,000 | 57,720,000 | 58,049,000 | 55,726,000 |
| Noninterest-bearing deposits | 8,649,000 | 9,493,000 | 8,517,000 | 9,900,000 |
| Equity capital | 7,311,000 | 7,013,000 | 7,359,000 | 7,723,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,245,000 | 2,503,000 | 3,785,000 | 5,041,000 |
| Interest expense | 388,000 | 786,000 | 1,164,000 | 1,475,000 |
| Net interest income | 857,000 | 1,717,000 | 2,621,000 | 3,566,000 |
| Noninterest income | 142,000 | 314,000 | 444,000 | 573,000 |
| Noninterest expense | 568,000 | 1,131,000 | 1,698,000 | 2,290,000 |
| Provision for loan losses | 0 | 0 | 0 | 16,000 |
| Pretax income | 431,000 | 900,000 | 1,367,000 | 1,833,000 |
| Income tax | 143,000 | 301,000 | 458,000 | 615,000 |
| Net income | 288,000 | 599,000 | 909,000 | 1,218,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,098,000 | 7,180,000 | 7,341,000 | 7,419,000 |
| Total capital | 7,619,000 | 7,694,000 | 7,854,000 | 7,943,000 |
| Risk-weighted assets | 45,223,000 | 49,291,000 | 51,826,000 | 51,388,000 |