Call reports 2007
FIRST BANK OF UTICA — 2007
What FIRST BANK OF UTICA reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 26,504,000 | 29,192,000 | 28,857,000 | 28,139,000 |
| Total loans | 20,773,000 | 22,964,000 | 22,793,000 | 21,483,000 |
| Allowance for loan losses | 358,000 | 360,000 | 360,000 | 361,000 |
| Securities available for sale | 4,289,000 | 4,682,000 | 4,369,000 | 3,953,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 21,509,000 | 22,379,000 | 21,741,000 | 23,342,000 |
| Interest-bearing deposits | 18,353,000 | 19,173,000 | 18,766,000 | 20,238,000 |
| Noninterest-bearing deposits | 3,156,000 | 3,206,000 | 2,975,000 | 3,104,000 |
| Equity capital | 2,921,000 | 2,999,000 | 3,128,000 | 2,967,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 458,000 | 963,000 | 1,457,000 | 1,937,000 |
| Interest expense | 143,000 | 309,000 | 490,000 | 662,000 |
| Net interest income | 315,000 | 654,000 | 967,000 | 1,275,000 |
| Noninterest income | 22,000 | 42,000 | 61,000 | 94,000 |
| Noninterest expense | 201,000 | 414,000 | 627,000 | 893,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 136,000 | 282,000 | 401,000 | 476,000 |
| Income tax | 45,000 | 81,000 | 130,000 | 150,000 |
| Net income | 91,000 | 201,000 | 271,000 | 326,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,934,000 | 3,044,000 | 3,115,000 | 2,928,000 |
| Total capital | 3,200,000 | 3,340,000 | 3,414,000 | 3,213,000 |
| Risk-weighted assets | 21,201,000 | 23,630,000 | 23,883,000 | 22,742,000 |