Call reports 2019
FIRST BANK OF OHIO — 2019
What FIRST BANK OF OHIO reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 185,028,000 | 195,172,000 | 205,177,000 | 205,178,000 |
| Total loans | 117,478,000 | 130,188,000 | 138,916,000 | 140,821,000 |
| Allowance for loan losses | 3,124,000 | 3,306,000 | 3,426,000 | 3,644,000 |
| Securities available for sale | 21,028,000 | 18,608,000 | 16,919,000 | 14,647,000 |
| Securities held to maturity | 30,620,000 | 29,946,000 | 29,945,000 | 31,066,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 114,232,000 | 123,525,000 | 132,341,000 | 131,411,000 |
| Interest-bearing deposits | 106,695,000 | 116,869,000 | 125,007,000 | 123,766,000 |
| Noninterest-bearing deposits | 7,537,000 | 6,656,000 | 7,334,000 | 7,645,000 |
| Equity capital | 69,654,000 | 70,459,000 | 71,609,000 | 72,419,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 2,383,000 | 5,019,000 | 7,944,000 | 10,968,000 |
| Interest expense | 494,000 | 1,052,000 | 1,684,000 | 2,314,000 |
| Net interest income | 1,889,000 | 3,967,000 | 6,260,000 | 8,654,000 |
| Noninterest income | 89,000 | 183,000 | 718,000 | 837,000 |
| Noninterest expense | 974,000 | 1,980,000 | 3,051,000 | 4,093,000 |
| Provision for loan losses | 375,000 | 750,000 | 1,125,000 | 1,500,000 |
| Pretax income | 629,000 | 1,422,000 | 2,804,000 | 3,900,000 |
| Income tax | 90,000 | 235,000 | 481,000 | 732,000 |
| Net income | 539,000 | 1,187,000 | 2,323,000 | 3,168,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 69,689,000 | 70,337,000 | 71,473,000 | 72,318,000 |
| Total capital | 71,465,000 | 72,271,000 | 73,535,000 | 74,404,000 |
| Risk-weighted assets | 139,251,000 | 151,706,000 | 161,479,000 | 163,403,000 |