Call reports 2008
OTTOVILLE BANK COMPANY, THE — 2008
What OTTOVILLE BANK COMPANY, THE 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 | 55,470,000 | 55,708,000 | 56,178,000 | 55,105,000 |
| Total loans | 22,263,000 | 22,615,000 | 23,061,000 | 22,844,000 |
| Allowance for loan losses | 419,000 | 426,000 | 432,000 | 440,000 |
| Securities available for sale | 25,427,000 | 26,510,000 | 27,091,000 | 27,004,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 35,977,000 | 36,335,000 | 38,678,000 | 36,577,000 |
| Interest-bearing deposits | 30,822,000 | 30,910,000 | 32,884,000 | 30,123,000 |
| Noninterest-bearing deposits | 5,155,000 | 5,425,000 | 5,794,000 | 6,454,000 |
| Equity capital | 12,582,000 | 12,180,000 | 12,174,000 | 12,628,000 |
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 | 712,000 | 1,425,000 | 2,159,000 | 2,863,000 |
| Interest expense | 249,000 | 470,000 | 679,000 | 846,000 |
| Net interest income | 463,000 | 955,000 | 1,480,000 | 2,017,000 |
| Noninterest income | 49,000 | 102,000 | 155,000 | 213,000 |
| Noninterest expense | 278,000 | 562,000 | 846,000 | 1,154,000 |
| Provision for loan losses | 8,000 | 15,000 | 23,000 | 30,000 |
| Pretax income | 223,000 | 475,000 | 761,000 | 1,044,000 |
| Income tax | 31,000 | 55,000 | 80,000 | 128,000 |
| Net income | 192,000 | 420,000 | 681,000 | 916,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,509,000 | 12,482,000 | 12,742,000 | 12,677,000 |
| Total capital | 12,899,000 | 12,872,000 | 13,149,000 | 13,071,000 |
| Risk-weighted assets | 31,187,000 | 32,106,000 | 32,569,000 | 31,516,000 |