Call reports 2004
NATIONAL BANK OF OHIO — 2004
What NATIONAL BANK OF OHIO reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 139,953,000 | 146,904,000 | 145,565,000 | 145,767,000 |
| Total loans | 104,166,000 | 108,187,000 | 113,018,000 | 116,583,000 |
| Allowance for loan losses | 1,111,000 | 1,080,000 | 1,139,000 | 1,215,000 |
| Securities available for sale | 24,768,000 | 22,126,000 | 17,735,000 | 17,058,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 114,789,000 | 120,123,000 | 121,101,000 | 118,429,000 |
| Interest-bearing deposits | 97,221,000 | 95,778,000 | 97,900,000 | 98,543,000 |
| Noninterest-bearing deposits | 17,568,000 | 24,345,000 | 23,201,000 | 19,886,000 |
| Equity capital | 12,690,000 | 12,494,000 | 12,940,000 | 13,217,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,820,000 | 3,640,000 | 5,493,000 | 7,528,000 |
| Interest expense | 459,000 | 898,000 | 1,359,000 | 1,833,000 |
| Net interest income | 1,361,000 | 2,742,000 | 4,134,000 | 5,695,000 |
| Noninterest income | 187,000 | 381,000 | 568,000 | 755,000 |
| Noninterest expense | 1,194,000 | 2,372,000 | 3,490,000 | 4,570,000 |
| Provision for loan losses | 30,000 | 60,000 | 140,000 | 170,000 |
| Pretax income | 324,000 | 691,000 | 1,072,000 | 1,710,000 |
| Income tax | 165,000 | 330,000 | 370,000 | 535,000 |
| Net income | 159,000 | 361,000 | 702,000 | 1,175,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,523,000 | 12,564,000 | 12,905,000 | 13,248,000 |
| Total capital | 13,634,000 | 13,644,000 | 14,044,000 | 14,463,000 |
| Risk-weighted assets | 101,146,000 | 104,930,000 | 107,776,000 | 110,265,000 |