Call reports 2003
NATIONAL BANK OF OHIO — 2003
What NATIONAL BANK OF OHIO reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 126,661,000 | 127,977,000 | 131,698,000 | 136,042,000 |
| Total loans | 84,912,000 | 85,504,000 | 92,674,000 | 98,885,000 |
| Allowance for loan losses | 1,160,000 | 1,172,000 | 1,182,000 | 1,125,000 |
| Securities available for sale | 29,699,000 | 26,767,000 | 26,419,000 | 26,023,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 105,575,000 | 106,299,000 | 105,973,000 | 110,400,000 |
| Interest-bearing deposits | 88,927,000 | 87,866,000 | 88,515,000 | 91,127,000 |
| Noninterest-bearing deposits | 16,648,000 | 18,433,000 | 17,458,000 | 19,273,000 |
| Equity capital | 11,869,000 | 12,180,000 | 12,258,000 | 12,476,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,733,000 | 3,493,000 | 5,219,000 | 7,031,000 |
| Interest expense | 504,000 | 960,000 | 1,407,000 | 1,852,000 |
| Net interest income | 1,229,000 | 2,533,000 | 3,812,000 | 5,179,000 |
| Noninterest income | 200,000 | 387,000 | 595,000 | 770,000 |
| Noninterest expense | 1,023,000 | 1,978,000 | 3,039,000 | 4,109,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 170,000 |
| Pretax income | 423,000 | 957,000 | 1,353,000 | 1,745,000 |
| Income tax | 163,000 | 325,000 | 489,000 | 510,000 |
| Net income | 260,000 | 632,000 | 864,000 | 1,235,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,646,000 | 11,918,000 | 12,150,000 | 12,363,000 |
| Total capital | 12,736,000 | 13,009,000 | 13,290,000 | 13,488,000 |
| Risk-weighted assets | 87,150,000 | 87,189,000 | 91,123,000 | 96,050,000 |