Call reports 2004
HOCKING VALLEY BANK, THE — 2004
What HOCKING VALLEY BANK, THE reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 168,254,000 | 166,822,000 | 166,835,000 | 164,618,000 |
| Total loans | 111,294,000 | 117,598,000 | 117,337,000 | 121,167,000 |
| Allowance for loan losses | 2,003,000 | 2,035,000 | 2,040,000 | 2,121,000 |
| Securities available for sale | 35,850,000 | 34,009,000 | 31,848,000 | 29,789,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 148,121,000 | 146,835,000 | 143,671,000 | 140,847,000 |
| Interest-bearing deposits | 117,339,000 | 116,792,000 | 113,793,000 | 109,349,000 |
| Noninterest-bearing deposits | 30,782,000 | 30,043,000 | 29,878,000 | 31,498,000 |
| Equity capital | 16,606,000 | 16,577,000 | 17,197,000 | 15,736,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 2,176,000 | 4,365,000 | 6,539,000 | 8,677,000 |
| Interest expense | 418,000 | 786,000 | 1,141,000 | 1,509,000 |
| Net interest income | 1,758,000 | 3,579,000 | 5,398,000 | 7,168,000 |
| Noninterest income | 335,000 | 631,000 | 931,000 | 1,213,000 |
| Noninterest expense | 1,470,000 | 2,823,000 | 4,228,000 | 5,598,000 |
| Provision for loan losses | 100,000 | 205,000 | 310,000 | 415,000 |
| Pretax income | 523,000 | 1,182,000 | 1,791,000 | 2,368,000 |
| Income tax | 125,000 | 301,000 | 470,000 | 624,000 |
| Net income | 398,000 | 881,000 | 1,321,000 | 1,744,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,117,000 | 16,599,000 | 17,039,000 | 15,712,000 |
| Total capital | 17,425,000 | 17,964,000 | 18,403,000 | 17,104,000 |
| Risk-weighted assets | 103,945,000 | 108,534,000 | 108,483,000 | 110,598,000 |