Call reports 2010
FIRST BANK OF UTICA — 2010
What FIRST BANK OF UTICA reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 30,218,000 | 31,227,000 | 32,941,000 | 36,885,000 |
| Total loans | 25,280,000 | 26,384,000 | 27,474,000 | 31,849,000 |
| Allowance for loan losses | 372,000 | 401,000 | 402,000 | 409,000 |
| Securities available for sale | 3,145,000 | 3,002,000 | 3,005,000 | 2,634,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 24,439,000 | 24,702,000 | 26,581,000 | 27,688,000 |
| Interest-bearing deposits | 20,828,000 | 21,183,000 | 22,529,000 | 22,761,000 |
| Noninterest-bearing deposits | 3,611,000 | 3,519,000 | 4,052,000 | 4,927,000 |
| Equity capital | 3,433,000 | 3,284,000 | 3,358,000 | 3,386,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 429,000 | 862,000 | 1,292,000 | 1,763,000 |
| Interest expense | 98,000 | 193,000 | 296,000 | 404,000 |
| Net interest income | 331,000 | 669,000 | 996,000 | 1,359,000 |
| Noninterest income | 14,000 | 33,000 | 51,000 | 89,000 |
| Noninterest expense | 245,000 | 510,000 | 799,000 | 1,127,000 |
| Provision for loan losses | 0 | 59,000 | 59,000 | 65,000 |
| Pretax income | 100,000 | 133,000 | 189,000 | 256,000 |
| Income tax | 27,000 | 49,000 | 49,000 | 54,000 |
| Net income | 73,000 | 84,000 | 140,000 | 202,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,400,000 | 3,256,000 | 3,308,000 | 3,366,000 |
| Total capital | 3,710,000 | 3,572,000 | 3,640,000 | 3,760,000 |
| Risk-weighted assets | 24,743,000 | 25,234,000 | 26,473,000 | 31,488,000 |