Call reports 2008
HOCKING VALLEY BANK, THE — 2008
What HOCKING VALLEY BANK, 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 | 186,972,000 | 192,901,000 | 195,541,000 | 193,790,000 |
| Total loans | 130,279,000 | 133,314,000 | 136,455,000 | 136,151,000 |
| Allowance for loan losses | 2,346,000 | 2,366,000 | 2,423,000 | 2,225,000 |
| Securities available for sale | 28,234,000 | 30,331,000 | 30,446,000 | 30,249,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 163,865,000 | 169,832,000 | 171,639,000 | 168,953,000 |
| Interest-bearing deposits | 135,278,000 | 139,525,000 | 139,796,000 | 139,581,000 |
| Noninterest-bearing deposits | 28,587,000 | 30,307,000 | 31,843,000 | 29,372,000 |
| Equity capital | 19,241,000 | 19,367,000 | 20,063,000 | 19,498,000 |
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 | 2,725,000 | 5,459,000 | 8,191,000 | 10,836,000 |
| Interest expense | 937,000 | 1,707,000 | 2,439,000 | 3,142,000 |
| Net interest income | 1,788,000 | 3,752,000 | 5,752,000 | 7,694,000 |
| Noninterest income | 323,000 | 639,000 | 977,000 | 1,338,000 |
| Noninterest expense | 1,512,000 | 2,969,000 | 4,473,000 | 5,942,000 |
| Provision for loan losses | 80,000 | 115,000 | 190,000 | 300,000 |
| Pretax income | 519,000 | 1,307,000 | 2,066,000 | 2,790,000 |
| Income tax | 125,000 | 330,000 | 530,000 | 720,000 |
| Net income | 394,000 | 977,000 | 1,536,000 | 2,070,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,682,000 | 19,264,000 | 19,823,000 | 18,858,000 |
| Total capital | 20,272,000 | 20,904,000 | 21,476,000 | 20,496,000 |
| Risk-weighted assets | 126,464,000 | 130,488,000 | 131,445,000 | 130,427,000 |