Call reports 2025
FIRST BANK OF OHIO — 2025
What FIRST BANK OF OHIO reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 290,852,000 | 281,767,000 | 297,582,000 | 298,680,000 |
| Total loans | 226,063,000 | 221,742,000 | 216,067,000 | 205,625,000 |
| Allowance for loan losses | 6,395,000 | 6,656,000 | 6,804,000 | 6,241,000 |
| Securities available for sale | 18,742,000 | 26,638,000 | 33,014,000 | 39,139,000 |
| Securities held to maturity | 12,694,000 | 11,745,000 | 10,907,000 | 8,916,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 194,671,000 | 184,863,000 | 199,285,000 | 199,111,000 |
| Interest-bearing deposits | 186,173,000 | 176,935,000 | 191,010,000 | 189,681,000 |
| Noninterest-bearing deposits | 8,498,000 | 7,928,000 | 8,275,000 | 9,430,000 |
| Equity capital | 93,598,000 | 94,933,000 | 96,535,000 | 97,633,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 5,881,000 | 11,571,000 | 17,351,000 | 23,218,000 |
| Interest expense | 1,852,000 | 3,618,000 | 5,397,000 | 7,195,000 |
| Net interest income | 4,029,000 | 7,953,000 | 11,954,000 | 16,023,000 |
| Noninterest income | 145,000 | 297,000 | 460,000 | 641,000 |
| Noninterest expense | 1,530,000 | 3,104,000 | 4,777,000 | 6,435,000 |
| Provision for loan losses | 970,000 | 1,935,000 | 2,830,000 | 2,855,000 |
| Pretax income | 1,681,000 | 3,217,000 | 4,819,000 | 7,383,000 |
| Income tax | 310,000 | 582,000 | 866,000 | 1,348,000 |
| Net income | 1,371,000 | 2,635,000 | 3,953,000 | 6,035,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 94,135,000 | 95,398,000 | 96,717,000 | 97,766,000 |