Call reports 2004
FIRST BANK OF UTICA — 2004
What FIRST BANK OF UTICA reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 21,441,000 | 23,849,000 | 23,345,000 | 23,456,000 |
| Total loans | 12,096,000 | 13,670,000 | 14,901,000 | 16,158,000 |
| Allowance for loan losses | 338,000 | 336,000 | 336,000 | 318,000 |
| Securities available for sale | 5,876,000 | 6,054,000 | 6,091,000 | 5,517,000 |
| Securities held to maturity | 490,000 | 320,000 | 320,000 | 95,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 18,323,000 | 20,010,000 | 19,203,000 | 19,200,000 |
| Interest-bearing deposits | 15,540,000 | 16,633,000 | 16,140,000 | 15,607,000 |
| Noninterest-bearing deposits | 2,783,000 | 3,377,000 | 3,063,000 | 3,593,000 |
| Equity capital | 2,735,000 | 2,704,000 | 2,780,000 | 2,655,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 256,000 | 536,000 | 837,000 | 1,149,000 |
| Interest expense | 60,000 | 120,000 | 188,000 | 257,000 |
| Net interest income | 196,000 | 416,000 | 649,000 | 892,000 |
| Noninterest income | 11,000 | 26,000 | 40,000 | 56,000 |
| Noninterest expense | 165,000 | 331,000 | 506,000 | 645,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 42,000 | 111,000 | 183,000 | 303,000 |
| Income tax | 10,000 | 18,000 | 46,000 | 88,000 |
| Net income | 32,000 | 93,000 | 137,000 | 215,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,693,000 | 2,738,000 | 2,782,000 | 2,677,000 |
| Total capital | 2,863,000 | 2,933,000 | 2,987,000 | 2,893,000 |
| Risk-weighted assets | 13,462,000 | 15,449,000 | 16,296,000 | 17,144,000 |