Call reports 2005
FIRST BANK OF UTICA — 2005
What FIRST BANK OF UTICA reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 22,923,000 | 24,051,000 | 25,563,000 | 25,125,000 |
| Total loans | 14,897,000 | 16,659,000 | 18,897,000 | 18,702,000 |
| Allowance for loan losses | 333,000 | 334,000 | 342,000 | 343,000 |
| Securities available for sale | 6,083,000 | 5,317,000 | 5,173,000 | 4,926,000 |
| Securities held to maturity | 95,000 | 95,000 | 95,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 18,796,000 | 19,849,000 | 19,472,000 | 19,020,000 |
| Interest-bearing deposits | 15,828,000 | 16,936,000 | 16,661,000 | 16,403,000 |
| Noninterest-bearing deposits | 2,968,000 | 2,913,000 | 2,811,000 | 2,617,000 |
| Equity capital | 2,684,000 | 2,766,000 | 2,832,000 | 2,673,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 317,000 | 638,000 | 1,003,000 | 1,380,000 |
| Interest expense | 67,000 | 138,000 | 222,000 | 307,000 |
| Net interest income | 250,000 | 500,000 | 781,000 | 1,073,000 |
| Noninterest income | 19,000 | 36,000 | 60,000 | 83,000 |
| Noninterest expense | 170,000 | 340,000 | 512,000 | 730,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 99,000 | 196,000 | 329,000 | 426,000 |
| Income tax | 35,000 | 62,000 | 106,000 | 139,000 |
| Net income | 64,000 | 134,000 | 223,000 | 287,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,742,000 | 2,821,000 | 2,873,000 | 2,728,000 |
| Total capital | 2,942,000 | 3,043,000 | 3,123,000 | 2,975,000 |
| Risk-weighted assets | 15,868,000 | 17,455,000 | 19,895,000 | 19,663,000 |