Home > First Bank of Central Ohio > Income and Expense

First Bank of Central Ohio, Income and Expense

2023-12-31 (YTD Data)Rank
Total interest income$6,281,0003,416
Total interest expense$2,917,0002,646
Net interest income$3,364,0003,793
Provision for loan and lease losses$438,0001,369
Total noninterest income$629,0003,222
Gross Fiduciary activities income$0981
Service charges on deposit accounts$15,0004,235
Trading account gains and feesNANA
Additional Noninterest Income$614,0002,774
Total noninterest expense$5,713,0002,856
Salaries and employee benefits$4,601,0002,317
Premises and equipment expense$265,0003,701
Additional noninterest expense$614,0002,774
Pre-tax net operating income$-2,158,0004,533
Securities gains (losses)$0988
Applicable income taxes$-471,0004,506
Income before extraordinary items$-1,687,0004,501
Extraordinary gains, net$054
Net income$-1,687,0004,500
Minority interest net income$088
Net income of bank and minority interests.$-1,687,0004,501
Net charge-offs$02,884
Cash dividends$03,459
Sale, conversion, retirement of capital stock, net$1,106,000181
Net operating income$-1,687,0004,512
2023-09-30 (YTD Data)Rank
Total interest income$4,233,0003,540
Total interest expense$1,893,0002,705
Net interest income$2,340,0003,877
Provision for loan and lease losses$227,0001,548
Total noninterest income$179,0003,928
Gross Fiduciary activities income$0950
Service charges on deposit accounts$10,0004,270
Trading account gains and feesNANA
Additional Noninterest Income$169,0003,596
Total noninterest expense$4,195,0002,875
Salaries and employee benefits$3,414,0002,328
Premises and equipment expense$200,0003,704
Additional noninterest expense$169,0003,594
Pre-tax net operating income$-1,903,0004,537
Securities gains (losses)$0849
Applicable income taxes$-393,0004,553
Income before extraordinary items$-1,510,0004,548
Extraordinary gains, net$052
Net income$-1,510,0004,545
Minority interest net income$081
Net income of bank and minority interests.$-1,510,0004,548
Net charge-offs$02,641
Cash dividends$03,078
Sale, conversion, retirement of capital stock, net$859,000177
Net operating income$-1,510,0004,555
2023-06-30 (YTD Data)Rank
Total interest income$2,706,0003,568
Total interest expense$1,178,0002,646
Net interest income$1,528,0003,925
Provision for loan and lease losses$218,0001,279
Total noninterest income$154,0003,784
Gross Fiduciary activities income$0931
Service charges on deposit accounts$7,0004,286
Trading account gains and feesNANA
Additional Noninterest Income$147,0003,426
Total noninterest expense$2,636,0002,960
Salaries and employee benefits$2,164,0002,405
Premises and equipment expense$136,0003,691
Additional noninterest expense$147,0003,415
Pre-tax net operating income$-1,172,0004,567
Securities gains (losses)$0938
Applicable income taxes$-246,0004,586
Income before extraordinary items$-926,0004,584
Extraordinary gains, net$051
Net income$-926,0004,582
Minority interest net income$081
Net income of bank and minority interests.$-926,0004,583
Net charge-offs$02,431
Cash dividends$02,952
Sale, conversion, retirement of capital stock, net$565,000165
Net operating income$-926,0004,586
2023-03-31 (YTD Data)Rank
Total interest income$1,252,0003,666
Total interest expense$510,0002,621
Net interest income$742,0003,967
Provision for loan and lease losses$147,0001,081
Total noninterest income$117,0003,478
Gross Fiduciary activities income$0913
Service charges on deposit accounts$4,0004,299
Trading account gains and feesNANA
Additional Noninterest Income$113,0003,040
Total noninterest expense$1,218,0003,105
Salaries and employee benefits$1,007,0002,537
Premises and equipment expense$75,0003,662
Additional noninterest expense$113,0003,040
Pre-tax net operating income$-506,0004,613
Securities gains (losses)$0950
Applicable income taxes$-110,0004,590
Income before extraordinary items$-396,0004,584
Extraordinary gains, net$04
Net income$-396,0004,584
Minority interest net income$048
Net income of bank and minority interests.$-396,0004,584
Net charge-offs$02,062
Cash dividends$02,337
Sale, conversion, retirement of capital stock, net$276,000151
Net operating income$-396,0004,595
2022-12-31 (YTD Data)Rank
Total interest income$3,107,0003,972
Total interest expense$824,0002,659
Net interest income$2,283,0004,139
Provision for loan and lease losses$374,0001,389
Total noninterest income$230,0004,088
Gross Fiduciary activities income$01,005
Service charges on deposit accounts$5,0004,490
Trading account gains and feesNANA
Additional Noninterest Income$225,0003,739
Total noninterest expense$4,194,0003,290
Salaries and employee benefits$3,269,0002,810
Premises and equipment expense$280,0003,723
Additional noninterest expense$225,0003,739
Pre-tax net operating income$-2,055,0004,676
Securities gains (losses)$0691
Applicable income taxes$-435,0004,653
Income before extraordinary items$-1,620,0004,648
Extraordinary gains, net$05
Net income$-1,620,0004,647
Minority interest net income$063
Net income of bank and minority interests.$-1,620,0004,648
Net charge-offs$02,620
Cash dividends$03,475
Sale, conversion, retirement of capital stock, net$1,085,000230
Net operating income$-1,620,0004,656
2022-09-30 (YTD Data)Rank
Total interest income$1,943,0004,120
Total interest expense$402,0002,935
Net interest income$1,541,0004,214
Provision for loan and lease losses$374,0001,119
Total noninterest income$171,0004,119
Gross Fiduciary activities income$0968
Service charges on deposit accounts$3,0004,535
Trading account gains and feesNANA
Additional Noninterest Income$168,0003,777
Total noninterest expense$3,181,0003,266
Salaries and employee benefits$2,477,0002,783
Premises and equipment expense$201,0003,784
Additional noninterest expense$168,0003,777
Pre-tax net operating income$-1,843,0004,730
Securities gains (losses)$0740
Applicable income taxes$-389,0004,697
Income before extraordinary items$-1,454,0004,689
Extraordinary gains, net$04
Net income$-1,454,0004,689
Minority interest net income$057
Net income of bank and minority interests.$-1,454,0004,689
Net charge-offs$02,349
Cash dividends$03,099
Sale, conversion, retirement of capital stock, net$792,000214
Net operating income$-1,454,0004,706
2022-06-30 (YTD Data)Rank
Total interest income$1,046,0004,282
Total interest expense$156,0003,490
Net interest income$890,0004,326
Provision for loan and lease losses$351,000850
Total noninterest income$141,0003,967
Gross Fiduciary activities income$0925
Service charges on deposit accounts$2,0004,593
Trading account gains and feesNANA
Additional Noninterest Income$139,0003,651
Total noninterest expense$2,074,0003,290
Salaries and employee benefits$1,603,0002,831
Premises and equipment expense$124,0003,872
Additional noninterest expense$347,0004,054
Pre-tax net operating income$-1,394,0004,744
Securities gains (losses)$0687
Applicable income taxes$-295,0004,716
Income before extraordinary items$-1,099,0004,711
Extraordinary gains, net$04
Net income$-1,099,0004,711
Minority interest net income$060
Net income of bank and minority interests.$-1,099,0004,711
Net charge-offs$02,156
Cash dividends$02,961
Sale, conversion, retirement of capital stock, net$519,000199
Net operating income$-1,099,0004,732
2022-03-31 (YTD Data)Rank
Total interest income$409,0004,436
Total interest expense$69,0003,614
Net interest income$340,0004,471
Provision for loan and lease losses$191,000680
Total noninterest income$47,0004,201
Gross Fiduciary activities income$0892
Service charges on deposit accounts$1,0004,614
Trading account gains and feesNANA
Additional Noninterest Income$46,0003,865
Total noninterest expense$983,0003,368
Salaries and employee benefits$754,0002,924
Premises and equipment expense$54,0004,017
Additional noninterest expense$175,0004,045
Pre-tax net operating income$-787,0004,763
Securities gains (losses)$0623
Applicable income taxes$-168,0004,736
Income before extraordinary items$-619,0004,742
Extraordinary gains, net$04
Net income$-619,0004,740
Minority interest net income$050
Net income of bank and minority interests.$-619,0004,742
Net charge-offs$01,838
Cash dividends$02,284
Sale, conversion, retirement of capital stock, net$247,000170
Net operating income$-619,0004,754
2021-12-31 (YTD Data)Rank
Total interest income$484,0004,778
Total interest expense$84,0004,577
Net interest income$400,0004,782
Provision for loan and lease losses$559,000955
Total noninterest income$79,0004,613
Gross Fiduciary activities income$0994
Service charges on deposit accounts$2,0004,685
Trading account gains and feesNANA
Additional Noninterest Income$77,0004,427
Total noninterest expense$1,850,0004,241
Salaries and employee benefits$1,327,0004,009
Premises and equipment expense$96,0004,571
Additional noninterest expense$427,0004,484
Pre-tax net operating income$-1,930,0004,822
Securities gains (losses)$02,062
Applicable income taxes$-407,0004,810
Income before extraordinary items$-1,523,0004,807
Extraordinary gains, net$010
Net income$-1,523,0004,807
Minority interest net income$074
Net income of bank and minority interests.$-1,523,0004,807
Net charge-offs$02,705
Cash dividends$03,608
Sale, conversion, retirement of capital stock, net$27,209,00032
Net operating income$-1,523,0004,805
2021-09-30 (YTD Data)Rank
Total interest income$228,0004,879
Total interest expense$28,0004,814
Net interest income$200,0004,878
Provision for loan and lease losses$346,0001,077
Total noninterest income$37,0004,768
Gross Fiduciary activities income$0957
Service charges on deposit accounts$1,0004,767
Trading account gains and feesNANA
Additional Noninterest Income$36,0004,620
Total noninterest expense$1,151,0004,451
Salaries and employee benefits$838,0004,200
Premises and equipment expense$43,0004,783
Additional noninterest expense$270,0004,619
Pre-tax net operating income$-1,260,0004,892
Securities gains (losses)$02,015
Applicable income taxes$-265,0004,889
Income before extraordinary items$-995,0004,877
Extraordinary gains, net$08
Net income$-995,0004,877
Minority interest net income$069
Net income of bank and minority interests.$-995,0004,877
Net charge-offs$02,463
Cash dividends$03,251
Sale, conversion, retirement of capital stock, net$27,209,00024
Net operating income$-995,0004,874
2021-06-30 (YTD Data)Rank
Total interest income$62,0004,939
Total interest expense$1,0004,926
Net interest income$61,0004,934
Provision for loan and lease losses$194,0001,220
Total noninterest income$04,919
Gross Fiduciary activities income$0951
Service charges on deposit accounts$04,816
Trading account gains and feesNANA
Additional Noninterest Income$04,878
Total noninterest expense$524,0004,708
Salaries and employee benefits$363,0004,575
Premises and equipment expense$3,0004,936
Additional noninterest expense$158,0004,711
Pre-tax net operating income$-657,0004,913
Securities gains (losses)$01,818
Applicable income taxes$-138,0004,915
Income before extraordinary items$-519,0004,897
Extraordinary gains, net$06
Net income$-519,0004,897
Minority interest net income$067
Net income of bank and minority interests.$-519,0004,897
Net charge-offs$02,245
Cash dividends$03,104
Sale, conversion, retirement of capital stock, net$27,209,00018
Net operating income$-519,0004,897

* The data above is accumulated from the beginning of the year to the date posted. The data for Dec. 31 is the number for the entire year.