Call reports 2009
OHIO RIVER BANK — 2009
What OHIO RIVER BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 87,698,000 | 88,856,000 | 90,283,000 | 91,747,000 |
| Total loans | 56,753,000 | 56,235,000 | 58,656,000 | 57,674,000 |
| Allowance for loan losses | 538,000 | 550,000 | 557,000 | 557,000 |
| Securities available for sale | 26,353,000 | 28,616,000 | 26,564,000 | 28,738,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 67,603,000 | 69,967,000 | 73,001,000 | 75,713,000 |
| Interest-bearing deposits | 58,004,000 | 59,241,000 | 63,021,000 | 64,370,000 |
| Noninterest-bearing deposits | 9,599,000 | 10,726,000 | 9,980,000 | 11,343,000 |
| Equity capital | 7,788,000 | 7,777,000 | 8,022,000 | 7,878,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,176,000 | 2,321,000 | 3,461,000 | 4,610,000 |
| Interest expense | 241,000 | 485,000 | 726,000 | 950,000 |
| Net interest income | 935,000 | 1,836,000 | 2,735,000 | 3,660,000 |
| Noninterest income | 127,000 | 269,000 | 413,000 | 579,000 |
| Noninterest expense | 563,000 | 1,189,000 | 1,755,000 | 2,409,000 |
| Provision for loan losses | 13,000 | 26,000 | 39,000 | 51,000 |
| Pretax income | 486,000 | 890,000 | 1,354,000 | 1,779,000 |
| Income tax | 164,000 | 301,000 | 459,000 | 603,000 |
| Net income | 322,000 | 589,000 | 895,000 | 1,176,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,505,000 | 7,573,000 | 7,654,000 | 7,585,000 |
| Total capital | 8,043,000 | 8,123,000 | 8,211,000 | 8,142,000 |
| Risk-weighted assets | 50,884,000 | 50,953,000 | 52,755,000 | 52,148,000 |