Call reports 2012
OHIO RIVER BANK — 2012
What OHIO RIVER BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 |
|---|---|---|
| Total assets | 97,306,000 | 107,058,000 |
| Total loans | 59,711,000 | 60,393,000 |
| Allowance for loan losses | 777,000 | 742,000 |
| Securities available for sale | 32,025,000 | 37,360,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 81,185,000 | 90,816,000 |
| Interest-bearing deposits | 69,401,000 | 78,020,000 |
| Noninterest-bearing deposits | 11,784,000 | 12,796,000 |
| Equity capital | 8,638,000 | 8,857,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 |
|---|---|---|
| Interest income | 1,050,000 | 2,134,000 |
| Interest expense | 108,000 | 225,000 |
| Net interest income | 942,000 | 1,909,000 |
| Noninterest income | 148,000 | 317,000 |
| Noninterest expense | 594,000 | 1,203,000 |
| Provision for loan losses | 130,000 | 160,000 |
| Pretax income | 366,000 | 863,000 |
| Income tax | 124,000 | 293,000 |
| Net income | 242,000 | 570,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 |
|---|---|---|
| Tier 1 capital | 8,158,000 | 8,285,000 |
| Total capital | 8,802,000 | 8,962,000 |
| Risk-weighted assets | 51,617,000 | 54,231,000 |