Call reports 2003
FIRST BANK OF UTICA — 2003
What FIRST BANK OF UTICA reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 22,127,000 | 23,243,000 | 23,283,000 | 24,300,000 |
| Total loans | 13,238,000 | 13,659,000 | 14,721,000 | 13,243,000 |
| Allowance for loan losses | 398,000 | 395,000 | 395,000 | 339,000 |
| Securities available for sale | 1,704,000 | 1,556,000 | 1,857,000 | 1,812,000 |
| Securities held to maturity | 1,071,000 | 1,071,000 | 740,000 | 740,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 17,168,000 | 18,235,000 | 18,265,000 | 19,387,000 |
| Interest-bearing deposits | 14,417,000 | 15,603,000 | 15,560,000 | 16,033,000 |
| Noninterest-bearing deposits | 2,751,000 | 2,632,000 | 2,705,000 | 3,354,000 |
| Equity capital | 4,776,000 | 4,822,000 | 4,815,000 | 4,806,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 305,000 | 597,000 | 893,000 | 1,169,000 |
| Interest expense | 72,000 | 140,000 | 203,000 | 266,000 |
| Net interest income | 233,000 | 457,000 | 690,000 | 903,000 |
| Noninterest income | 15,000 | 33,000 | 46,000 | 49,000 |
| Noninterest expense | 152,000 | 315,000 | 553,000 | 781,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 96,000 | 175,000 | 183,000 | 171,000 |
| Income tax | 30,000 | 54,000 | 48,000 | 43,000 |
| Net income | 66,000 | 121,000 | 135,000 | 128,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,728,000 | 4,783,000 | 4,795,000 | 4,793,000 |
| Total capital | 4,929,000 | 4,976,000 | 5,001,000 | 4,981,000 |
| Risk-weighted assets | 15,878,000 | 15,259,000 | 16,312,000 | 14,866,000 |