Call reports 2007
FIRST BANK OF OHIO — 2007
What FIRST BANK OF OHIO reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 115,996,000 | 115,843,000 | 122,107,000 | 123,130,000 |
| Total loans | 30,122,000 | 30,433,000 | 42,972,000 | 42,478,000 |
| Allowance for loan losses | 862,000 | 868,000 | 874,000 | 914,000 |
| Securities available for sale | 47,537,000 | 46,732,000 | 41,415,000 | 43,548,000 |
| Securities held to maturity | 19,566,000 | 20,409,000 | 20,222,000 | 19,467,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 70,974,000 | 70,875,000 | 76,445,000 | 76,805,000 |
| Interest-bearing deposits | 66,084,000 | 65,367,000 | 70,954,000 | 71,914,000 |
| Noninterest-bearing deposits | 4,890,000 | 5,508,000 | 5,491,000 | 4,891,000 |
| Equity capital | 44,459,000 | 44,362,000 | 45,005,000 | 45,542,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,581,000 | 3,167,000 | 4,825,000 | 6,591,000 |
| Interest expense | 508,000 | 1,109,000 | 1,768,000 | 2,453,000 |
| Net interest income | 1,073,000 | 2,058,000 | 3,057,000 | 4,138,000 |
| Noninterest income | 120,000 | 228,000 | 338,000 | 473,000 |
| Noninterest expense | 663,000 | 1,323,000 | 1,980,000 | 2,663,000 |
| Provision for loan losses | 47,000 | 93,000 | 140,000 | 244,000 |
| Pretax income | 483,000 | 870,000 | 1,273,000 | 1,705,000 |
| Income tax | 69,000 | 179,000 | 244,000 | 329,000 |
| Net income | 414,000 | 691,000 | 1,029,000 | 1,376,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 44,720,000 | 44,980,000 | 45,327,000 | 45,671,000 |
| Total capital | 45,412,000 | 45,680,000 | 46,166,000 | 46,513,000 |
| Risk-weighted assets | 55,200,000 | 55,831,000 | 67,053,000 | 67,293,000 |