Call reports 2009
FIRST BANK OF OHIO — 2009
What FIRST BANK OF OHIO reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 140,941,000 | 143,280,000 | 147,769,000 | 152,475,000 |
| Total loans | 60,154,000 | 63,559,000 | 64,734,000 | 63,867,000 |
| Allowance for loan losses | 1,015,000 | 1,196,000 | 1,184,000 | 1,252,000 |
| Securities available for sale | 45,931,000 | 44,706,000 | 48,195,000 | 52,804,000 |
| Securities held to maturity | 17,540,000 | 17,321,000 | 17,282,000 | 17,631,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 92,607,000 | 94,653,000 | 98,277,000 | 102,100,000 |
| Interest-bearing deposits | 87,398,000 | 89,787,000 | 93,357,000 | 97,080,000 |
| Noninterest-bearing deposits | 5,209,000 | 4,866,000 | 4,920,000 | 5,020,000 |
| Equity capital | 47,735,000 | 48,038,000 | 48,956,000 | 49,735,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,858,000 | 3,875,000 | 5,961,000 | 8,128,000 |
| Interest expense | 527,000 | 1,045,000 | 1,562,000 | 2,060,000 |
| Net interest income | 1,331,000 | 2,830,000 | 4,399,000 | 6,068,000 |
| Noninterest income | 121,000 | 225,000 | 260,000 | 375,000 |
| Noninterest expense | 738,000 | 1,503,000 | 2,301,000 | 3,054,000 |
| Provision for loan losses | 105,000 | 399,000 | 532,000 | 727,000 |
| Pretax income | 609,000 | 1,188,000 | 1,704,000 | 2,545,000 |
| Income tax | 126,000 | 267,000 | 398,000 | 516,000 |
| Net income | 483,000 | 921,000 | 1,306,000 | 2,029,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 47,574,000 | 48,008,000 | 48,404,000 | 49,131,000 |
| Total capital | 48,589,000 | 49,122,000 | 49,533,000 | 50,266,000 |
| Risk-weighted assets | 85,275,000 | 89,015,000 | 90,246,000 | 90,710,000 |