Call reports 2011
OHIO RIVER BANK — 2011
What OHIO RIVER BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 97,187,000 | 97,475,000 | 94,882,000 | 94,572,000 |
| Total loans | 61,271,000 | 60,275,000 | 60,156,000 | 59,633,000 |
| Allowance for loan losses | 621,000 | 1,238,000 | 1,225,000 | 670,000 |
| Securities available for sale | 29,637,000 | 34,066,000 | 30,682,000 | 29,606,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 81,008,000 | 80,210,000 | 77,494,000 | 78,142,000 |
| Interest-bearing deposits | 64,318,000 | 64,066,000 | 66,741,000 | 65,513,000 |
| Noninterest-bearing deposits | 16,690,000 | 16,144,000 | 10,753,000 | 12,629,000 |
| Equity capital | 7,893,000 | 8,261,000 | 8,675,000 | 8,599,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,107,000 | 2,219,000 | 3,340,000 | 4,406,000 |
| Interest expense | 149,000 | 290,000 | 419,000 | 534,000 |
| Net interest income | 958,000 | 1,929,000 | 2,921,000 | 3,872,000 |
| Noninterest income | 140,000 | 296,000 | 482,000 | 655,000 |
| Noninterest expense | 671,000 | 1,350,000 | 2,137,000 | 2,722,000 |
| Provision for loan losses | 70,000 | 690,000 | 720,000 | 750,000 |
| Pretax income | 357,000 | 185,000 | 546,000 | 1,055,000 |
| Income tax | 121,000 | 62,000 | 184,000 | 359,000 |
| Net income | 236,000 | 123,000 | 362,000 | 696,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,981,000 | 7,867,000 | 8,107,000 | 8,141,000 |
| Total capital | 8,602,000 | 8,521,000 | 8,770,000 | 8,783,000 |
| Risk-weighted assets | 54,142,000 | 52,262,000 | 51,684,000 | 51,371,000 |