Call reports 2003
HOCKING VALLEY BANK, THE — 2003
What HOCKING VALLEY BANK, THE reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 160,298,000 | 170,592,000 | 171,336,000 | 167,421,000 |
| Total loans | 111,464,000 | 113,480,000 | 110,326,000 | 111,778,000 |
| Allowance for loan losses | 2,063,000 | 2,067,000 | 2,093,000 | 1,940,000 |
| Securities available for sale | 29,554,000 | 31,929,000 | 34,811,000 | 35,973,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 140,717,000 | 150,376,000 | 150,976,000 | 147,980,000 |
| Interest-bearing deposits | 113,077,000 | 120,727,000 | 122,753,000 | 118,739,000 |
| Noninterest-bearing deposits | 27,640,000 | 29,649,000 | 28,223,000 | 29,241,000 |
| Equity capital | 16,146,000 | 16,845,000 | 17,013,000 | 16,072,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 2,356,000 | 4,740,000 | 7,030,000 | 9,318,000 |
| Interest expense | 601,000 | 1,196,000 | 1,712,000 | 2,194,000 |
| Net interest income | 1,755,000 | 3,544,000 | 5,318,000 | 7,124,000 |
| Noninterest income | 238,000 | 524,000 | 826,000 | 1,101,000 |
| Noninterest expense | 1,352,000 | 2,668,000 | 3,965,000 | 5,333,000 |
| Provision for loan losses | 35,000 | 35,000 | 60,000 | 100,000 |
| Pretax income | 606,000 | 1,365,000 | 2,119,000 | 2,792,000 |
| Income tax | 195,000 | 400,000 | 620,000 | 745,000 |
| Net income | 411,000 | 965,000 | 1,499,000 | 2,047,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,517,000 | 16,072,000 | 16,605,000 | 15,718,000 |
| Total capital | 16,871,000 | 17,491,000 | 17,925,000 | 17,027,000 |
| Risk-weighted assets | 101,624,000 | 105,835,000 | 104,861,000 | 104,116,000 |