Call reports 2016
FIRST BANK OF OHIO — 2016
What FIRST BANK OF OHIO reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 170,978,000 | 171,058,000 | 175,301,000 | 175,176,000 |
| Total loans | 83,189,000 | 86,636,000 | 90,248,000 | 92,660,000 |
| Allowance for loan losses | 2,258,000 | 2,295,000 | 2,328,000 | 2,381,000 |
| Securities available for sale | 30,361,000 | 30,510,000 | 28,185,000 | 26,654,000 |
| Securities held to maturity | 36,696,000 | 36,530,000 | 36,767,000 | 36,452,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 106,429,000 | 105,811,000 | 109,445,000 | 109,244,000 |
| Interest-bearing deposits | 97,931,000 | 97,746,000 | 100,872,000 | 100,714,000 |
| Noninterest-bearing deposits | 8,498,000 | 8,065,000 | 8,573,000 | 8,530,000 |
| Equity capital | 63,673,000 | 64,291,000 | 64,838,000 | 65,055,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 2,105,000 | 4,157,000 | 6,238,000 | 8,326,000 |
| Interest expense | 176,000 | 360,000 | 555,000 | 756,000 |
| Net interest income | 1,929,000 | 3,797,000 | 5,683,000 | 7,570,000 |
| Noninterest income | 109,000 | 217,000 | 321,000 | 466,000 |
| Noninterest expense | 911,000 | 1,810,000 | 2,778,000 | 3,737,000 |
| Provision for loan losses | 300,000 | 630,000 | 960,000 | 1,335,000 |
| Pretax income | 845,000 | 1,592,000 | 2,284,000 | 2,982,000 |
| Income tax | 200,000 | 400,000 | 570,000 | 760,000 |
| Net income | 645,000 | 1,192,000 | 1,714,000 | 2,222,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 63,469,000 | 64,016,000 | 64,537,000 | 65,046,000 |
| Total capital | 64,890,000 | 65,477,000 | 66,046,000 | 66,660,000 |
| Risk-weighted assets | 111,903,000 | 114,471,000 | 118,340,000 | 127,365,000 |