Call reports 2015
FIRST BANK OF OHIO — 2015
What FIRST BANK OF OHIO reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 169,338,000 | 169,184,000 | 171,237,000 | 170,631,000 |
| Total loans | 77,880,000 | 81,583,000 | 84,058,000 | 84,191,000 |
| Allowance for loan losses | 1,750,000 | 1,854,000 | 2,143,000 | 2,280,000 |
| Securities available for sale | 32,745,000 | 31,810,000 | 31,127,000 | 30,355,000 |
| Securities held to maturity | 37,411,000 | 37,324,000 | 36,688,000 | 36,286,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 106,472,000 | 105,962,000 | 107,586,000 | 106,902,000 |
| Interest-bearing deposits | 99,429,000 | 97,917,000 | 99,368,000 | 98,817,000 |
| Noninterest-bearing deposits | 7,043,000 | 8,045,000 | 8,218,000 | 8,085,000 |
| Equity capital | 61,822,000 | 62,319,000 | 62,737,000 | 62,917,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,980,000 | 3,958,000 | 5,976,000 | 8,044,000 |
| Interest expense | 171,000 | 346,000 | 524,000 | 701,000 |
| Net interest income | 1,809,000 | 3,612,000 | 5,452,000 | 7,343,000 |
| Noninterest income | 119,000 | 393,000 | 636,000 | 760,000 |
| Noninterest expense | 850,000 | 1,711,000 | 2,603,000 | 3,523,000 |
| Provision for loan losses | 205,000 | 533,000 | 1,153,000 | 1,901,000 |
| Pretax income | 907,000 | 1,822,000 | 2,410,000 | 2,754,000 |
| Income tax | 215,000 | 450,000 | 687,000 | 722,000 |
| Net income | 692,000 | 1,372,000 | 1,723,000 | 2,032,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 61,484,000 | 62,164,000 | 62,515,000 | 62,824,000 |
| Total capital | 62,916,000 | 63,543,000 | 63,920,000 | 64,237,000 |
| Risk-weighted assets | 113,611,000 | 109,707,000 | 111,509,000 | 111,695,000 |