Call reports 2003
OAK HILL BANKS — 2003
What OAK HILL BANKS 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 | 829,756,000 | 857,135,000 | 894,792,000 | 928,151,000 |
| Total loans | 714,842,000 | 743,421,000 | 780,850,000 | 813,344,000 |
| Allowance for loan losses | 9,039,000 | 9,498,000 | 9,978,000 | 10,441,000 |
| Securities available for sale | 77,728,000 | 72,498,000 | 72,778,000 | 75,701,000 |
| Securities held to maturity | 3,671,000 | 3,667,000 | 3,663,000 | 3,659,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 666,249,000 | 684,348,000 | 689,083,000 | 725,396,000 |
| Interest-bearing deposits | 602,959,000 | 616,536,000 | 617,444,000 | 657,877,000 |
| Noninterest-bearing deposits | 63,290,000 | 67,812,000 | 71,639,000 | 67,519,000 |
| Equity capital | 67,095,000 | 69,419,000 | 71,331,000 | 71,916,000 |
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 | 13,296,000 | 26,580,000 | 39,583,000 | 53,187,000 |
| Interest expense | 5,142,000 | 10,103,000 | 14,921,000 | 19,729,000 |
| Net interest income | 8,154,000 | 16,477,000 | 24,662,000 | 33,458,000 |
| Noninterest income | 1,577,000 | 3,874,000 | 6,356,000 | 8,350,000 |
| Noninterest expense | 4,991,000 | 10,043,000 | 15,133,000 | 20,284,000 |
| Provision for loan losses | 408,000 | 1,378,000 | 2,248,000 | 2,954,000 |
| Pretax income | 4,474,000 | 9,095,000 | 13,892,000 | 18,903,000 |
| Income tax | 1,452,000 | 2,951,000 | 4,518,000 | 6,295,000 |
| Net income | 3,022,000 | 6,144,000 | 9,374,000 | 12,608,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 65,473,000 | 67,710,000 | 70,169,000 | 70,526,000 |
| Total capital | 73,916,000 | 76,605,000 | 79,539,000 | 80,437,000 |
| Risk-weighted assets | 675,198,000 | 711,098,000 | 749,024,000 | 792,336,000 |