Home > First Bank of Central Ohio > Income and Expense
First Bank of Central Ohio, Income and Expense
| 2025-03-31 (YTD Data) | Rank | |
| Total interest income | $2,987,000 | 2,809 |
| Total interest expense | $1,511,000 | 2,226 |
| Net interest income | $1,476,000 | 3,179 |
| Provision for loan and lease losses | $77,000 | 1,597 |
| Total noninterest income | $487,000 | 1,963 |
| Gross Fiduciary activities income | $0 | 918 |
| Service charges on deposit accounts | $7,000 | 3,959 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $480,000 | 1,539 |
| Total noninterest expense | $2,124,000 | 2,338 |
| Salaries and employee benefits | $1,599,000 | 1,957 |
| Premises and equipment expense | $80,000 | 3,477 |
| Additional noninterest expense | $480,000 | 1,539 |
| Pre-tax net operating income | $-238,000 | 4,361 |
| Securities gains (losses) | $0 | 665 |
| Applicable income taxes | $-50,000 | 4,343 |
| Income before extraordinary items | $-188,000 | 4,324 |
| Extraordinary gains, net | $0 | 47 |
| Net income | $-188,000 | 4,322 |
| Minority interest net income | $0 | 65 |
| Net income of bank and minority interests. | $-188,000 | 4,324 |
| Net charge-offs | $0 | 2,299 |
| Cash dividends | $0 | 2,364 |
| Sale, conversion, retirement of capital stock, net | $270,000 | 212 |
| Net operating income | $-188,000 | 4,337 |
| 2024-12-31 (YTD Data) | Rank | |
| Total interest income | $10,670,000 | 2,929 |
| Total interest expense | $5,360,000 | 2,410 |
| Net interest income | $5,310,000 | 3,254 |
| Provision for loan and lease losses | $1,199,000 | 850 |
| Total noninterest income | $4,755,000 | 1,216 |
| Gross Fiduciary activities income | $0 | 1,000 |
| Service charges on deposit accounts | $26,000 | 4,013 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $4,729,000 | 902 |
| Total noninterest expense | $8,058,000 | 2,394 |
| Salaries and employee benefits | $5,953,000 | 2,020 |
| Premises and equipment expense | $243,000 | 3,728 |
| Additional noninterest expense | $4,729,000 | 902 |
| Pre-tax net operating income | $808,000 | 3,608 |
| Securities gains (losses) | $0 | 940 |
| Applicable income taxes | $174,000 | 2,457 |
| Income before extraordinary items | $634,000 | 3,653 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $634,000 | 3,693 |
| Minority interest net income | $0 | 90 |
| Net income of bank and minority interests. | $634,000 | 3,653 |
| Net charge-offs | $435,000 | 993 |
| Cash dividends | $0 | 3,434 |
| Sale, conversion, retirement of capital stock, net | $1,035,000 | 236 |
| Net operating income | $634,000 | 3,672 |
| 2024-09-30 (YTD Data) | Rank | |
| Total interest income | $7,613,000 | 2,983 |
| Total interest expense | $3,814,000 | 2,458 |
| Net interest income | $3,799,000 | 3,302 |
| Provision for loan and lease losses | $647,000 | 939 |
| Total noninterest income | $3,482,000 | 1,230 |
| Gross Fiduciary activities income | $0 | 972 |
| Service charges on deposit accounts | $18,000 | 4,073 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $3,464,000 | 909 |
| Total noninterest expense | $5,855,000 | 2,411 |
| Salaries and employee benefits | $4,445,000 | 2,007 |
| Premises and equipment expense | $190,000 | 3,694 |
| Additional noninterest expense | $3,464,000 | 909 |
| Pre-tax net operating income | $779,000 | 3,486 |
| Securities gains (losses) | $0 | 930 |
| Applicable income taxes | $166,000 | 2,338 |
| Income before extraordinary items | $613,000 | 3,541 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $613,000 | 3,581 |
| Minority interest net income | $0 | 82 |
| Net income of bank and minority interests. | $613,000 | 3,544 |
| Net charge-offs | $0 | 2,823 |
| Cash dividends | $0 | 3,076 |
| Sale, conversion, retirement of capital stock, net | $767,000 | 219 |
| Net operating income | $613,000 | 3,556 |
| 2024-06-30 (YTD Data) | Rank | |
| Total interest income | $4,712,000 | 3,041 |
| Total interest expense | $2,404,000 | 2,499 |
| Net interest income | $2,308,000 | 3,419 |
| Provision for loan and lease losses | $311,000 | 1,076 |
| Total noninterest income | $2,114,000 | 1,287 |
| Gross Fiduciary activities income | $0 | 962 |
| Service charges on deposit accounts | $11,000 | 4,099 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $2,103,000 | 978 |
| Total noninterest expense | $3,726,000 | 2,475 |
| Salaries and employee benefits | $2,861,000 | 2,059 |
| Premises and equipment expense | $127,000 | 3,701 |
| Additional noninterest expense | $2,103,000 | 978 |
| Pre-tax net operating income | $385,000 | 3,661 |
| Securities gains (losses) | $0 | 628 |
| Applicable income taxes | $81,000 | 2,473 |
| Income before extraordinary items | $304,000 | 3,696 |
| Extraordinary gains, net | $0 | 52 |
| Net income | $304,000 | 3,736 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $304,000 | 3,699 |
| Net charge-offs | $0 | 2,587 |
| Cash dividends | $0 | 2,949 |
| Sale, conversion, retirement of capital stock, net | $500,000 | 213 |
| Net operating income | $304,000 | 3,711 |
| 2024-03-31 (YTD Data) | Rank | |
| Total interest income | $2,212,000 | 3,116 |
| Total interest expense | $1,154,000 | 2,522 |
| Net interest income | $1,058,000 | 3,517 |
| Provision for loan and lease losses | $176,000 | 902 |
| Total noninterest income | $1,070,000 | 1,265 |
| Gross Fiduciary activities income | $0 | 895 |
| Service charges on deposit accounts | $5,000 | 4,128 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $1,065,000 | 954 |
| Total noninterest expense | $1,786,000 | 2,544 |
| Salaries and employee benefits | $1,386,000 | 2,100 |
| Premises and equipment expense | $64,000 | 3,704 |
| Additional noninterest expense | $1,065,000 | 954 |
| Pre-tax net operating income | $166,000 | 3,698 |
| Securities gains (losses) | $0 | 689 |
| Applicable income taxes | $40,000 | 2,428 |
| Income before extraordinary items | $126,000 | 3,774 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $126,000 | 3,811 |
| Minority interest net income | $0 | 72 |
| Net income of bank and minority interests. | $126,000 | 3,774 |
| Net charge-offs | $0 | 2,217 |
| Cash dividends | $0 | 2,345 |
| Sale, conversion, retirement of capital stock, net | $233,000 | 159 |
| Net operating income | $126,000 | 3,782 |
| 2023-12-31 (YTD Data) | Rank | |
| Total interest income | $6,281,000 | 3,416 |
| Total interest expense | $2,917,000 | 2,646 |
| Net interest income | $3,364,000 | 3,793 |
| Provision for loan and lease losses | $438,000 | 1,369 |
| Total noninterest income | $629,000 | 3,222 |
| Gross Fiduciary activities income | $0 | 981 |
| Service charges on deposit accounts | $15,000 | 4,235 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $614,000 | 2,774 |
| Total noninterest expense | $5,713,000 | 2,856 |
| Salaries and employee benefits | $4,601,000 | 2,317 |
| Premises and equipment expense | $265,000 | 3,701 |
| Additional noninterest expense | $614,000 | 2,774 |
| Pre-tax net operating income | $-2,158,000 | 4,533 |
| Securities gains (losses) | $0 | 988 |
| Applicable income taxes | $-471,000 | 4,506 |
| Income before extraordinary items | $-1,687,000 | 4,501 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $-1,687,000 | 4,500 |
| Minority interest net income | $0 | 88 |
| Net income of bank and minority interests. | $-1,687,000 | 4,501 |
| Net charge-offs | $0 | 2,884 |
| Cash dividends | $0 | 3,459 |
| Sale, conversion, retirement of capital stock, net | $1,106,000 | 181 |
| Net operating income | $-1,687,000 | 4,512 |
| 2023-09-30 (YTD Data) | Rank | |
| Total interest income | $4,233,000 | 3,540 |
| Total interest expense | $1,893,000 | 2,705 |
| Net interest income | $2,340,000 | 3,877 |
| Provision for loan and lease losses | $227,000 | 1,548 |
| Total noninterest income | $179,000 | 3,928 |
| Gross Fiduciary activities income | $0 | 950 |
| Service charges on deposit accounts | $10,000 | 4,270 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $169,000 | 3,596 |
| Total noninterest expense | $4,195,000 | 2,875 |
| Salaries and employee benefits | $3,414,000 | 2,328 |
| Premises and equipment expense | $200,000 | 3,704 |
| Additional noninterest expense | $169,000 | 3,594 |
| Pre-tax net operating income | $-1,903,000 | 4,537 |
| Securities gains (losses) | $0 | 849 |
| Applicable income taxes | $-393,000 | 4,553 |
| Income before extraordinary items | $-1,510,000 | 4,548 |
| Extraordinary gains, net | $0 | 52 |
| Net income | $-1,510,000 | 4,545 |
| Minority interest net income | $0 | 81 |
| Net income of bank and minority interests. | $-1,510,000 | 4,548 |
| Net charge-offs | $0 | 2,641 |
| Cash dividends | $0 | 3,078 |
| Sale, conversion, retirement of capital stock, net | $859,000 | 177 |
| Net operating income | $-1,510,000 | 4,555 |
| 2023-06-30 (YTD Data) | Rank | |
| Total interest income | $2,706,000 | 3,568 |
| Total interest expense | $1,178,000 | 2,646 |
| Net interest income | $1,528,000 | 3,925 |
| Provision for loan and lease losses | $218,000 | 1,279 |
| Total noninterest income | $154,000 | 3,784 |
| Gross Fiduciary activities income | $0 | 931 |
| Service charges on deposit accounts | $7,000 | 4,286 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $147,000 | 3,426 |
| Total noninterest expense | $2,636,000 | 2,960 |
| Salaries and employee benefits | $2,164,000 | 2,405 |
| Premises and equipment expense | $136,000 | 3,691 |
| Additional noninterest expense | $147,000 | 3,415 |
| Pre-tax net operating income | $-1,172,000 | 4,567 |
| Securities gains (losses) | $0 | 938 |
| Applicable income taxes | $-246,000 | 4,586 |
| Income before extraordinary items | $-926,000 | 4,584 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $-926,000 | 4,582 |
| Minority interest net income | $0 | 81 |
| Net income of bank and minority interests. | $-926,000 | 4,583 |
| Net charge-offs | $0 | 2,431 |
| Cash dividends | $0 | 2,952 |
| Sale, conversion, retirement of capital stock, net | $565,000 | 165 |
| Net operating income | $-926,000 | 4,586 |
| 2023-03-31 (YTD Data) | Rank | |
| Total interest income | $1,252,000 | 3,666 |
| Total interest expense | $510,000 | 2,621 |
| Net interest income | $742,000 | 3,967 |
| Provision for loan and lease losses | $147,000 | 1,081 |
| Total noninterest income | $117,000 | 3,478 |
| Gross Fiduciary activities income | $0 | 913 |
| Service charges on deposit accounts | $4,000 | 4,299 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $113,000 | 3,040 |
| Total noninterest expense | $1,218,000 | 3,105 |
| Salaries and employee benefits | $1,007,000 | 2,537 |
| Premises and equipment expense | $75,000 | 3,662 |
| Additional noninterest expense | $113,000 | 3,040 |
| Pre-tax net operating income | $-506,000 | 4,613 |
| Securities gains (losses) | $0 | 950 |
| Applicable income taxes | $-110,000 | 4,590 |
| Income before extraordinary items | $-396,000 | 4,584 |
| Extraordinary gains, net | $0 | 4 |
| Net income | $-396,000 | 4,584 |
| Minority interest net income | $0 | 48 |
| Net income of bank and minority interests. | $-396,000 | 4,584 |
| Net charge-offs | $0 | 2,062 |
| Cash dividends | $0 | 2,337 |
| Sale, conversion, retirement of capital stock, net | $276,000 | 151 |
| Net operating income | $-396,000 | 4,595 |
| 2022-12-31 (YTD Data) | Rank | |
| Total interest income | $3,107,000 | 3,972 |
| Total interest expense | $824,000 | 2,659 |
| Net interest income | $2,283,000 | 4,139 |
| Provision for loan and lease losses | $374,000 | 1,389 |
| Total noninterest income | $230,000 | 4,088 |
| Gross Fiduciary activities income | $0 | 1,005 |
| Service charges on deposit accounts | $5,000 | 4,490 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $225,000 | 3,739 |
| Total noninterest expense | $4,194,000 | 3,290 |
| Salaries and employee benefits | $3,269,000 | 2,810 |
| Premises and equipment expense | $280,000 | 3,723 |
| Additional noninterest expense | $225,000 | 3,739 |
| Pre-tax net operating income | $-2,055,000 | 4,676 |
| Securities gains (losses) | $0 | 691 |
| Applicable income taxes | $-435,000 | 4,653 |
| Income before extraordinary items | $-1,620,000 | 4,648 |
| Extraordinary gains, net | $0 | 5 |
| Net income | $-1,620,000 | 4,647 |
| Minority interest net income | $0 | 63 |
| Net income of bank and minority interests. | $-1,620,000 | 4,648 |
| Net charge-offs | $0 | 2,620 |
| Cash dividends | $0 | 3,475 |
| Sale, conversion, retirement of capital stock, net | $1,085,000 | 230 |
| Net operating income | $-1,620,000 | 4,656 |
| 2022-09-30 (YTD Data) | Rank | |
| Total interest income | $1,943,000 | 4,120 |
| Total interest expense | $402,000 | 2,935 |
| Net interest income | $1,541,000 | 4,214 |
| Provision for loan and lease losses | $374,000 | 1,119 |
| Total noninterest income | $171,000 | 4,119 |
| Gross Fiduciary activities income | $0 | 968 |
| Service charges on deposit accounts | $3,000 | 4,535 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $168,000 | 3,777 |
| Total noninterest expense | $3,181,000 | 3,266 |
| Salaries and employee benefits | $2,477,000 | 2,783 |
| Premises and equipment expense | $201,000 | 3,784 |
| Additional noninterest expense | $168,000 | 3,777 |
| Pre-tax net operating income | $-1,843,000 | 4,730 |
| Securities gains (losses) | $0 | 740 |
| Applicable income taxes | $-389,000 | 4,697 |
| Income before extraordinary items | $-1,454,000 | 4,689 |
| Extraordinary gains, net | $0 | 4 |
| Net income | $-1,454,000 | 4,689 |
| Minority interest net income | $0 | 57 |
| Net income of bank and minority interests. | $-1,454,000 | 4,689 |
| Net charge-offs | $0 | 2,349 |
| Cash dividends | $0 | 3,099 |
| Sale, conversion, retirement of capital stock, net | $792,000 | 214 |
| Net operating income | $-1,454,000 | 4,706 |
| 2022-06-30 (YTD Data) | Rank | |
| Total interest income | $1,046,000 | 4,282 |
| Total interest expense | $156,000 | 3,490 |
| Net interest income | $890,000 | 4,326 |
| Provision for loan and lease losses | $351,000 | 850 |
| Total noninterest income | $141,000 | 3,967 |
| Gross Fiduciary activities income | $0 | 925 |
| Service charges on deposit accounts | $2,000 | 4,593 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $139,000 | 3,651 |
| Total noninterest expense | $2,074,000 | 3,290 |
| Salaries and employee benefits | $1,603,000 | 2,831 |
| Premises and equipment expense | $124,000 | 3,872 |
| Additional noninterest expense | $347,000 | 4,054 |
| Pre-tax net operating income | $-1,394,000 | 4,744 |
| Securities gains (losses) | $0 | 687 |
| Applicable income taxes | $-295,000 | 4,716 |
| Income before extraordinary items | $-1,099,000 | 4,711 |
| Extraordinary gains, net | $0 | 4 |
| Net income | $-1,099,000 | 4,711 |
| Minority interest net income | $0 | 60 |
| Net income of bank and minority interests. | $-1,099,000 | 4,711 |
| Net charge-offs | $0 | 2,156 |
| Cash dividends | $0 | 2,961 |
| Sale, conversion, retirement of capital stock, net | $519,000 | 199 |
| Net operating income | $-1,099,000 | 4,732 |
| 2022-03-31 (YTD Data) | Rank | |
| Total interest income | $409,000 | 4,436 |
| Total interest expense | $69,000 | 3,614 |
| Net interest income | $340,000 | 4,471 |
| Provision for loan and lease losses | $191,000 | 680 |
| Total noninterest income | $47,000 | 4,201 |
| Gross Fiduciary activities income | $0 | 892 |
| Service charges on deposit accounts | $1,000 | 4,614 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $46,000 | 3,865 |
| Total noninterest expense | $983,000 | 3,368 |
| Salaries and employee benefits | $754,000 | 2,924 |
| Premises and equipment expense | $54,000 | 4,017 |
| Additional noninterest expense | $175,000 | 4,045 |
| Pre-tax net operating income | $-787,000 | 4,763 |
| Securities gains (losses) | $0 | 623 |
| Applicable income taxes | $-168,000 | 4,736 |
| Income before extraordinary items | $-619,000 | 4,742 |
| Extraordinary gains, net | $0 | 4 |
| Net income | $-619,000 | 4,740 |
| Minority interest net income | $0 | 50 |
| Net income of bank and minority interests. | $-619,000 | 4,742 |
| Net charge-offs | $0 | 1,838 |
| Cash dividends | $0 | 2,284 |
| Sale, conversion, retirement of capital stock, net | $247,000 | 170 |
| Net operating income | $-619,000 | 4,754 |
| 2021-12-31 (YTD Data) | Rank | |
| Total interest income | $484,000 | 4,778 |
| Total interest expense | $84,000 | 4,577 |
| Net interest income | $400,000 | 4,782 |
| Provision for loan and lease losses | $559,000 | 955 |
| Total noninterest income | $79,000 | 4,613 |
| Gross Fiduciary activities income | $0 | 994 |
| Service charges on deposit accounts | $2,000 | 4,685 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $77,000 | 4,427 |
| Total noninterest expense | $1,850,000 | 4,241 |
| Salaries and employee benefits | $1,327,000 | 4,009 |
| Premises and equipment expense | $96,000 | 4,571 |
| Additional noninterest expense | $427,000 | 4,484 |
| Pre-tax net operating income | $-1,930,000 | 4,822 |
| Securities gains (losses) | $0 | 2,062 |
| Applicable income taxes | $-407,000 | 4,810 |
| Income before extraordinary items | $-1,523,000 | 4,807 |
| Extraordinary gains, net | $0 | 10 |
| Net income | $-1,523,000 | 4,807 |
| Minority interest net income | $0 | 74 |
| Net income of bank and minority interests. | $-1,523,000 | 4,807 |
| Net charge-offs | $0 | 2,705 |
| Cash dividends | $0 | 3,608 |
| Sale, conversion, retirement of capital stock, net | $27,209,000 | 32 |
| Net operating income | $-1,523,000 | 4,805 |
| 2021-09-30 (YTD Data) | Rank | |
| Total interest income | $228,000 | 4,879 |
| Total interest expense | $28,000 | 4,814 |
| Net interest income | $200,000 | 4,878 |
| Provision for loan and lease losses | $346,000 | 1,077 |
| Total noninterest income | $37,000 | 4,768 |
| Gross Fiduciary activities income | $0 | 957 |
| Service charges on deposit accounts | $1,000 | 4,767 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $36,000 | 4,620 |
| Total noninterest expense | $1,151,000 | 4,451 |
| Salaries and employee benefits | $838,000 | 4,200 |
| Premises and equipment expense | $43,000 | 4,783 |
| Additional noninterest expense | $270,000 | 4,619 |
| Pre-tax net operating income | $-1,260,000 | 4,892 |
| Securities gains (losses) | $0 | 2,015 |
| Applicable income taxes | $-265,000 | 4,889 |
| Income before extraordinary items | $-995,000 | 4,877 |
| Extraordinary gains, net | $0 | 8 |
| Net income | $-995,000 | 4,877 |
| Minority interest net income | $0 | 69 |
| Net income of bank and minority interests. | $-995,000 | 4,877 |
| Net charge-offs | $0 | 2,463 |
| Cash dividends | $0 | 3,251 |
| Sale, conversion, retirement of capital stock, net | $27,209,000 | 24 |
| Net operating income | $-995,000 | 4,874 |
| 2021-06-30 (YTD Data) | Rank | |
| Total interest income | $62,000 | 4,939 |
| Total interest expense | $1,000 | 4,926 |
| Net interest income | $61,000 | 4,934 |
| Provision for loan and lease losses | $194,000 | 1,220 |
| Total noninterest income | $0 | 4,919 |
| Gross Fiduciary activities income | $0 | 951 |
| Service charges on deposit accounts | $0 | 4,816 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $0 | 4,878 |
| Total noninterest expense | $524,000 | 4,708 |
| Salaries and employee benefits | $363,000 | 4,575 |
| Premises and equipment expense | $3,000 | 4,936 |
| Additional noninterest expense | $158,000 | 4,711 |
| Pre-tax net operating income | $-657,000 | 4,913 |
| Securities gains (losses) | $0 | 1,818 |
| Applicable income taxes | $-138,000 | 4,915 |
| Income before extraordinary items | $-519,000 | 4,897 |
| Extraordinary gains, net | $0 | 6 |
| Net income | $-519,000 | 4,897 |
| Minority interest net income | $0 | 67 |
| Net income of bank and minority interests. | $-519,000 | 4,897 |
| Net charge-offs | $0 | 2,245 |
| Cash dividends | $0 | 3,104 |
| Sale, conversion, retirement of capital stock, net | $27,209,000 | 18 |
| Net operating income | $-519,000 | 4,897 |
* 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.