Call reports 2005
FIRST BANK OF OHIO — 2005
What FIRST BANK OF OHIO 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 | 111,044,000 | 110,330,000 | 109,993,000 | 110,313,000 |
| Total loans | 27,979,000 | 27,746,000 | 28,262,000 | 28,352,000 |
| Allowance for loan losses | 895,000 | 886,000 | 802,000 | 915,000 |
| Securities available for sale | 52,912,000 | 48,018,000 | 47,186,000 | 46,073,000 |
| Securities held to maturity | 16,634,000 | 17,066,000 | 17,497,000 | 18,159,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 69,418,000 | 68,161,000 | 67,538,000 | 67,774,000 |
| Interest-bearing deposits | 64,162,000 | 62,543,000 | 62,328,000 | 62,294,000 |
| Noninterest-bearing deposits | 5,256,000 | 5,618,000 | 5,210,000 | 5,480,000 |
| Equity capital | 41,146,000 | 41,653,000 | 42,045,000 | 42,117,000 |
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 | 1,357,000 | 2,649,000 | 3,946,000 | 5,279,000 |
| Interest expense | 231,000 | 468,000 | 721,000 | 995,000 |
| Net interest income | 1,126,000 | 2,181,000 | 3,225,000 | 4,284,000 |
| Noninterest income | 30,000 | 89,000 | 321,000 | 438,000 |
| Noninterest expense | 621,000 | 1,260,000 | 1,898,000 | 2,526,000 |
| Provision for loan losses | 47,000 | 93,000 | 140,000 | 310,000 |
| Pretax income | 575,000 | 948,000 | 1,535,000 | 1,910,000 |
| Income tax | 143,000 | 260,000 | 295,000 | 352,000 |
| Net income | 432,000 | 688,000 | 1,240,000 | 1,558,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 41,493,000 | 41,756,000 | 42,296,000 | 42,609,000 |
| Total capital | 42,069,000 | 42,388,000 | 42,933,000 | 43,254,000 |
| Risk-weighted assets | 45,772,000 | 50,272,000 | 50,769,000 | 51,327,000 |