Call reports 2014
FIRST BANK OF OHIO — 2014
What FIRST BANK OF OHIO reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 165,823,000 | 164,540,000 | 166,525,000 | 167,898,000 |
| Total loans | 66,201,000 | 69,655,000 | 72,734,000 | 75,838,000 |
| Allowance for loan losses | 1,704,000 | 1,631,000 | 1,574,000 | 1,728,000 |
| Securities available for sale | 39,903,000 | 38,218,000 | 34,995,000 | 33,785,000 |
| Securities held to maturity | 38,041,000 | 38,555,000 | 38,311,000 | 38,054,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 105,954,000 | 103,574,000 | 105,046,000 | 105,901,000 |
| Interest-bearing deposits | 98,803,000 | 97,056,000 | 98,556,000 | 99,548,000 |
| Noninterest-bearing deposits | 7,151,000 | 6,518,000 | 6,490,000 | 6,353,000 |
| Equity capital | 59,060,000 | 60,023,000 | 60,545,000 | 61,036,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,850,000 | 3,775,000 | 5,644,000 | 7,537,000 |
| Interest expense | 171,000 | 342,000 | 513,000 | 688,000 |
| Net interest income | 1,679,000 | 3,433,000 | 5,131,000 | 6,849,000 |
| Noninterest income | 105,000 | 212,000 | 324,000 | 452,000 |
| Noninterest expense | 792,000 | 1,582,000 | 2,419,000 | 3,269,000 |
| Provision for loan losses | 114,000 | 228,000 | 357,000 | 675,000 |
| Pretax income | 852,000 | 1,809,000 | 2,662,000 | 3,370,000 |
| Income tax | 194,000 | 402,000 | 640,000 | 864,000 |
| Net income | 658,000 | 1,407,000 | 2,022,000 | 2,506,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 58,944,000 | 59,693,000 | 60,308,000 | 60,792,000 |
| Total capital | 60,188,000 | 61,102,000 | 61,622,000 | 62,142,000 |
| Risk-weighted assets | 98,985,000 | 112,069,000 | 104,687,000 | 107,124,000 |