Call reports 2002
FIRST BANK OF UTICA — 2002
What FIRST BANK OF UTICA reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 21,315,000 | 22,089,000 | 21,652,000 | 21,555,000 |
| Total loans | 13,781,000 | 14,688,000 | 15,721,000 | 14,348,000 |
| Allowance for loan losses | 420,000 | 422,000 | 422,000 | 398,000 |
| Securities available for sale | 2,693,000 | 2,489,000 | 2,428,000 | 1,992,000 |
| Securities held to maturity | 1,207,000 | 1,348,000 | 1,342,000 | 1,071,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 16,576,000 | 17,234,000 | 16,690,000 | 16,636,000 |
| Interest-bearing deposits | 14,228,000 | 15,134,000 | 13,964,000 | 14,327,000 |
| Noninterest-bearing deposits | 2,348,000 | 2,100,000 | 2,726,000 | 2,309,000 |
| Equity capital | 4,414,000 | 4,534,000 | 4,629,000 | 4,716,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 343,000 | 685,000 | 1,034,000 | 1,377,000 |
| Interest expense | 104,000 | 195,000 | 280,000 | 357,000 |
| Net interest income | 239,000 | 490,000 | 754,000 | 1,020,000 |
| Noninterest income | 15,000 | 32,000 | 46,000 | 79,000 |
| Noninterest expense | 127,000 | 263,000 | 426,000 | 614,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 127,000 | 259,000 | 374,000 | 485,000 |
| Income tax | 39,000 | 80,000 | 115,000 | 130,000 |
| Net income | 88,000 | 179,000 | 259,000 | 355,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,396,000 | 4,487,000 | 4,567,000 | 4,662,000 |
| Total capital | 4,604,000 | 4,688,000 | 4,779,000 | 4,861,000 |
| Risk-weighted assets | 16,409,000 | 15,886,000 | 16,734,000 | 15,698,000 |