Call reports 2005
NATIONAL BANK OF OHIO — 2005
What NATIONAL BANK OF OHIO reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 151,543,000 | 154,927,000 | 158,014,000 | 152,830,000 |
| Total loans | 121,893,000 | 124,552,000 | 128,392,000 | 125,331,000 |
| Allowance for loan losses | 1,300,000 | 1,350,000 | 1,397,000 | 1,568,000 |
| Securities available for sale | 16,682,000 | 16,083,000 | 15,888,000 | 15,096,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 122,938,000 | 126,033,000 | 128,372,000 | 124,259,000 |
| Interest-bearing deposits | 103,554,000 | 101,638,000 | 106,322,000 | 103,050,000 |
| Noninterest-bearing deposits | 19,384,000 | 24,395,000 | 22,050,000 | 21,209,000 |
| Equity capital | 13,281,000 | 13,504,000 | 13,417,000 | 13,507,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,984,000 | 4,119,000 | 6,325,000 | 8,559,000 |
| Interest expense | 541,000 | 1,152,000 | 1,818,000 | 2,535,000 |
| Net interest income | 1,443,000 | 2,967,000 | 4,507,000 | 6,024,000 |
| Noninterest income | 187,000 | 374,000 | 570,000 | 803,000 |
| Noninterest expense | 1,202,000 | 2,353,000 | 3,572,000 | 4,760,000 |
| Provision for loan losses | 75,000 | 145,000 | 185,000 | 375,000 |
| Pretax income | 353,000 | 832,000 | 1,309,000 | 1,681,000 |
| Income tax | 180,000 | 340,000 | 490,000 | 532,000 |
| Net income | 173,000 | 492,000 | 819,000 | 1,149,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,421,000 | 13,565,000 | 13,491,000 | 13,632,000 |
| Total capital | 14,721,000 | 14,915,000 | 14,888,000 | 15,109,000 |
| Risk-weighted assets | 115,524,000 | 117,900,000 | 121,660,000 | 118,065,000 |