Call reports 2005
OAK HILL BANKS — 2005
What OAK HILL BANKS 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 | 1,099,872,000 | 1,207,360,000 | 1,226,641,000 | 1,239,332,000 |
| Total loans | 935,434,000 | 1,008,076,000 | 1,005,870,000 | 1,025,408,000 |
| Allowance for loan losses | 12,062,000 | 13,387,000 | 13,347,000 | 13,653,000 |
| Securities available for sale | 103,339,000 | 120,950,000 | 126,659,000 | 130,408,000 |
| Securities held to maturity | 3,635,000 | 3,630,000 | 3,624,000 | 3,619,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 868,356,000 | 964,885,000 | 986,050,000 | 986,128,000 |
| Interest-bearing deposits | 786,254,000 | 873,424,000 | 884,015,000 | 887,774,000 |
| Noninterest-bearing deposits | 82,102,000 | 91,461,000 | 102,035,000 | 98,354,000 |
| Equity capital | 90,163,000 | 107,696,000 | 109,819,000 | 108,921,000 |
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 | 15,770,000 | 32,854,000 | 51,027,000 | 69,693,000 |
| Interest expense | 5,870,000 | 12,672,000 | 20,087,000 | 28,200,000 |
| Net interest income | 9,900,000 | 20,182,000 | 30,940,000 | 41,493,000 |
| Noninterest income | 1,675,000 | 3,805,000 | 6,093,000 | 8,584,000 |
| Noninterest expense | 6,019,000 | 13,387,000 | 20,857,000 | 28,156,000 |
| Provision for loan losses | 750,000 | 5,459,000 | 5,671,000 | 6,341,000 |
| Pretax income | 4,949,000 | 5,511,000 | 11,013,000 | 16,078,000 |
| Income tax | 1,454,000 | 1,294,000 | 2,580,000 | 3,695,000 |
| Net income | 3,495,000 | 4,217,000 | 8,433,000 | 12,383,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 88,170,000 | 96,536,000 | 99,801,000 | 99,214,000 |
| Total capital | 99,595,000 | 109,195,000 | 112,449,000 | 111,980,000 |
| Risk-weighted assets | 913,334,000 | 1,011,974,000 | 1,011,171,000 | 1,020,410,000 |