Call reports 2006
FIRST BANK OF UTICA — 2006
What FIRST BANK OF UTICA reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 24,983,000 | 25,825,000 | 28,300,000 | 26,692,000 |
| Total loans | 19,165,000 | 20,031,000 | 21,296,000 | 20,484,000 |
| Allowance for loan losses | 351,000 | 351,000 | 355,000 | 356,000 |
| Securities available for sale | 4,515,000 | 4,277,000 | 4,206,000 | 4,166,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 20,459,000 | 19,656,000 | 20,158,000 | 20,986,000 |
| Interest-bearing deposits | 16,019,000 | 16,835,000 | 17,267,000 | 18,107,000 |
| Noninterest-bearing deposits | 4,440,000 | 2,821,000 | 2,891,000 | 2,879,000 |
| Equity capital | 2,744,000 | 2,825,000 | 2,938,000 | 2,821,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 369,000 | 781,000 | 1,239,000 | 1,700,000 |
| Interest expense | 84,000 | 179,000 | 313,000 | 479,000 |
| Net interest income | 285,000 | 602,000 | 926,000 | 1,221,000 |
| Noninterest income | 19,000 | 41,000 | 66,000 | 97,000 |
| Noninterest expense | 176,000 | 376,000 | 574,000 | 803,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 128,000 | 267,000 | 418,000 | 515,000 |
| Income tax | 45,000 | 90,000 | 135,000 | 170,000 |
| Net income | 83,000 | 177,000 | 283,000 | 345,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,798,000 | 2,882,000 | 2,969,000 | 2,843,000 |
| Total capital | 3,048,000 | 3,143,000 | 3,248,000 | 3,112,000 |
| Risk-weighted assets | 19,875,000 | 20,779,000 | 22,253,000 | 21,410,000 |