Call reports 2025
FIRST BANK OF CENTRAL OHIO — 2025
What FIRST BANK OF CENTRAL 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 | 207,244,000 | 211,523,000 | 229,839,000 | 253,319,000 |
| Total loans | 164,257,000 | 172,636,000 | 189,267,000 | 194,804,000 |
| Allowance for loan losses | 2,212,000 | 1,988,000 | 2,313,000 | 2,287,000 |
| Securities available for sale | 5,057,000 | 3,568,000 | 5,056,000 | 12,657,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 178,804,000 | 182,782,000 | 200,591,000 | 224,257,000 |
| Interest-bearing deposits | 155,826,000 | 161,942,000 | 177,879,000 | 199,591,000 |
| Noninterest-bearing deposits | 22,978,000 | 20,840,000 | 22,712,000 | 24,666,000 |
| Equity capital | 26,200,000 | 26,262,000 | 26,611,000 | 26,487,000 |
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 | 2,987,000 | 6,283,000 | 10,038,000 | 13,784,000 |
| Interest expense | 1,510,000 | 3,154,000 | 4,903,000 | 6,697,000 |
| Net interest income | 1,477,000 | 3,129,000 | 5,135,000 | 7,087,000 |
| Noninterest income | 487,000 | 1,032,000 | 1,988,000 | 3,052,000 |
| Noninterest expense | 2,124,000 | 4,332,000 | 6,933,000 | 9,273,000 |
| Provision for loan losses | 77,000 | 329,000 | 654,000 | 1,828,000 |
| Pretax income | -237,000 | -500,000 | -464,000 | -962,000 |
| Income tax | -50,000 | -104,000 | -95,000 | -200,000 |
| Net income | -187,000 | -396,000 | -369,000 | -762,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,143,000 | 25,065,000 | 25,427,000 | 25,365,000 |