Call reports 2005
HOCKING VALLEY BANK, THE — 2005
What HOCKING VALLEY BANK, THE reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 161,905,000 | 165,929,000 | 163,299,000 | 166,510,000 |
| Total loans | 119,663,000 | 119,554,000 | 119,842,000 | 124,487,000 |
| Allowance for loan losses | 2,215,000 | 2,307,000 | 2,358,000 | 2,331,000 |
| Securities available for sale | 27,416,000 | 26,811,000 | 24,561,000 | 23,530,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 139,961,000 | 144,073,000 | 141,121,000 | 143,795,000 |
| Interest-bearing deposits | 110,404,000 | 113,512,000 | 109,404,000 | 111,703,000 |
| Noninterest-bearing deposits | 29,557,000 | 30,561,000 | 31,717,000 | 32,092,000 |
| Equity capital | 15,939,000 | 16,475,000 | 16,909,000 | 16,725,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 2,114,000 | 4,315,000 | 6,596,000 | 8,962,000 |
| Interest expense | 414,000 | 874,000 | 1,407,000 | 2,036,000 |
| Net interest income | 1,700,000 | 3,441,000 | 5,189,000 | 6,926,000 |
| Noninterest income | 275,000 | 572,000 | 892,000 | 1,187,000 |
| Noninterest expense | 1,377,000 | 2,667,000 | 3,981,000 | 5,248,000 |
| Provision for loan losses | 105,000 | 210,000 | 315,000 | 420,000 |
| Pretax income | 493,000 | 1,136,000 | 1,785,000 | 2,445,000 |
| Income tax | 126,000 | 315,000 | 500,000 | 684,000 |
| Net income | 367,000 | 821,000 | 1,285,000 | 1,761,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,077,000 | 16,533,000 | 16,997,000 | 16,873,000 |
| Total capital | 17,452,000 | 17,916,000 | 18,373,000 | 18,308,000 |
| Risk-weighted assets | 109,183,000 | 109,705,000 | 109,076,000 | 113,866,000 |