Call reports 2004
FIRST BANK OF OHIO — 2004
What FIRST BANK OF OHIO reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 114,302,000 | 111,273,000 | 111,697,000 | 112,215,000 |
| Total loans | 29,217,000 | 29,030,000 | 28,799,000 | 28,581,000 |
| Allowance for loan losses | 869,000 | 834,000 | 770,000 | 913,000 |
| Securities available for sale | 56,102,000 | 53,246,000 | 55,175,000 | 54,652,000 |
| Securities held to maturity | 13,958,000 | 15,075,000 | 15,576,000 | 15,872,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 71,957,000 | 70,355,000 | 69,502,000 | 70,099,000 |
| Interest-bearing deposits | 66,746,000 | 65,308,000 | 64,019,000 | 64,530,000 |
| Noninterest-bearing deposits | 5,211,000 | 5,047,000 | 5,483,000 | 5,569,000 |
| Equity capital | 41,031,000 | 40,197,000 | 41,217,000 | 41,236,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,475,000 | 3,012,000 | 4,263,000 | 5,640,000 |
| Interest expense | 245,000 | 474,000 | 700,000 | 924,000 |
| Net interest income | 1,230,000 | 2,538,000 | 3,563,000 | 4,716,000 |
| Noninterest income | 61,000 | 96,000 | 128,000 | 215,000 |
| Noninterest expense | 619,000 | 1,411,000 | 1,880,000 | 2,605,000 |
| Provision for loan losses | 47,000 | 93,000 | 140,000 | 346,000 |
| Pretax income | 625,000 | 1,138,000 | 1,682,000 | 2,036,000 |
| Income tax | 155,000 | 291,000 | 385,000 | 447,000 |
| Net income | 470,000 | 847,000 | 1,297,000 | 1,589,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,964,000 | 40,321,000 | 40,783,000 | 41,067,000 |
| Total capital | 40,548,000 | 40,898,000 | 41,372,000 | 41,648,000 |
| Risk-weighted assets | 46,406,000 | 45,896,000 | 46,935,000 | 46,142,000 |