Call reports 2003
FIRST BANK OF OHIO — 2003
What FIRST BANK OF OHIO 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 | 115,789,000 | 117,249,000 | 114,290,000 | 113,880,000 |
| Total loans | 31,696,000 | 32,475,000 | 32,022,000 | 30,139,000 |
| Allowance for loan losses | 870,000 | 797,000 | 750,000 | 909,000 |
| Securities available for sale | 57,697,000 | 57,644,000 | 55,839,000 | 55,348,000 |
| Securities held to maturity | 10,126,000 | 11,852,000 | 12,965,000 | 13,317,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 74,491,000 | 75,348,000 | 73,073,000 | 72,508,000 |
| Interest-bearing deposits | 69,399,000 | 70,275,000 | 67,912,000 | 67,426,000 |
| Noninterest-bearing deposits | 5,092,000 | 5,073,000 | 5,161,000 | 5,082,000 |
| Equity capital | 39,494,000 | 40,132,000 | 39,872,000 | 40,273,000 |
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 | 1,692,000 | 3,287,000 | 4,854,000 | 6,424,000 |
| Interest expense | 352,000 | 694,000 | 986,000 | 1,257,000 |
| Net interest income | 1,340,000 | 2,593,000 | 3,868,000 | 5,167,000 |
| Noninterest income | 75,000 | 113,000 | 190,000 | 245,000 |
| Noninterest expense | 645,000 | 1,298,000 | 1,942,000 | 2,583,000 |
| Provision for loan losses | 47,000 | 93,000 | 140,000 | 307,000 |
| Pretax income | 726,000 | 1,318,000 | 1,979,000 | 2,526,000 |
| Income tax | 167,000 | 342,000 | 507,000 | 539,000 |
| Net income | 559,000 | 976,000 | 1,472,000 | 1,987,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,055,000 | 38,476,000 | 38,967,000 | 39,491,000 |
| Total capital | 38,664,000 | 39,091,000 | 39,578,000 | 40,081,000 |
| Risk-weighted assets | 48,468,000 | 49,048,000 | 48,753,000 | 46,854,000 |