Call reports 2009
FIRST BANK OF UTICA — 2009
What FIRST BANK OF UTICA reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 30,437,000 | 30,870,000 | 31,313,000 | 32,163,000 |
| Total loans | 22,664,000 | 23,717,000 | 24,911,000 | 26,966,000 |
| Allowance for loan losses | 364,000 | 365,000 | 366,000 | 371,000 |
| Securities available for sale | 3,915,000 | 4,110,000 | 4,106,000 | 2,982,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 24,641,000 | 25,480,000 | 24,342,000 | 24,004,000 |
| Interest-bearing deposits | 21,049,000 | 21,503,000 | 20,739,000 | 19,414,000 |
| Noninterest-bearing deposits | 3,592,000 | 3,977,000 | 3,603,000 | 4,590,000 |
| Equity capital | 3,308,000 | 3,228,000 | 3,305,000 | 3,373,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 426,000 | 864,000 | 1,322,000 | 1,815,000 |
| Interest expense | 109,000 | 213,000 | 314,000 | 413,000 |
| Net interest income | 317,000 | 651,000 | 1,008,000 | 1,402,000 |
| Noninterest income | 14,000 | 33,000 | 53,000 | 80,000 |
| Noninterest expense | 228,000 | 460,000 | 720,000 | 1,016,000 |
| Provision for loan losses | 0 | 0 | 0 | 4,000 |
| Pretax income | 103,000 | 224,000 | 341,000 | 462,000 |
| Income tax | 32,000 | 67,000 | 101,000 | 137,000 |
| Net income | 71,000 | 157,000 | 240,000 | 325,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,246,000 | 3,176,000 | 3,253,000 | 3,332,000 |
| Total capital | 3,531,000 | 3,474,000 | 3,556,000 | 3,663,000 |
| Risk-weighted assets | 22,723,000 | 23,737,000 | 24,421,000 | 26,408,000 |