Call reports 2010
OHIO RIVER BANK — 2010
What OHIO RIVER BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 94,174,000 | 92,784,000 | 92,381,000 | 94,652,000 |
| Total loans | 56,288,000 | 56,248,000 | 61,204,000 | 61,411,000 |
| Allowance for loan losses | 560,000 | 570,000 | 565,000 | 605,000 |
| Securities available for sale | 28,383,000 | 31,095,000 | 26,428,000 | 29,043,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 77,571,000 | 75,766,000 | 75,910,000 | 76,414,000 |
| Interest-bearing deposits | 64,398,000 | 64,117,000 | 64,993,000 | 63,950,000 |
| Noninterest-bearing deposits | 13,173,000 | 11,649,000 | 10,917,000 | 12,464,000 |
| Equity capital | 7,869,000 | 8,155,000 | 8,186,000 | 7,773,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,118,000 | 2,246,000 | 3,422,000 | 4,581,000 |
| Interest expense | 193,000 | 373,000 | 533,000 | 682,000 |
| Net interest income | 925,000 | 1,873,000 | 2,889,000 | 3,899,000 |
| Noninterest income | 144,000 | 301,000 | 471,000 | 622,000 |
| Noninterest expense | 582,000 | 1,184,000 | 1,796,000 | 2,400,000 |
| Provision for loan losses | 15,000 | 35,000 | 65,000 | 95,000 |
| Pretax income | 472,000 | 955,000 | 1,499,000 | 2,026,000 |
| Income tax | 160,000 | 323,000 | 508,000 | 691,000 |
| Net income | 312,000 | 632,000 | 991,000 | 1,335,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,657,000 | 7,746,000 | 7,866,000 | 7,934,000 |
| Total capital | 8,217,000 | 8,316,000 | 8,431,000 | 8,539,000 |
| Risk-weighted assets | 52,063,000 | 51,678,000 | 54,473,000 | 54,833,000 |
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