Call reports 2011
FIRST BANK OF UTICA — 2011
What FIRST BANK OF UTICA reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 38,178,000 | 41,884,000 | 45,992,000 | 44,477,000 |
| Total loans | 33,238,000 | 36,662,000 | 40,926,000 | 38,003,000 |
| Allowance for loan losses | 414,000 | 420,000 | 415,000 | 389,000 |
| Securities available for sale | 2,397,000 | 2,413,000 | 2,152,000 | 1,899,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 31,887,000 | 33,891,000 | 35,759,000 | 37,321,000 |
| Interest-bearing deposits | 27,149,000 | 29,166,000 | 30,805,000 | 31,690,000 |
| Noninterest-bearing deposits | 4,738,000 | 4,725,000 | 4,954,000 | 5,631,000 |
| Equity capital | 3,446,000 | 3,927,000 | 4,039,000 | 4,061,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 483,000 | 1,030,000 | 1,632,000 | 2,226,000 |
| Interest expense | 109,000 | 224,000 | 348,000 | 478,000 |
| Net interest income | 374,000 | 806,000 | 1,284,000 | 1,748,000 |
| Noninterest income | 12,000 | 30,000 | 50,000 | 83,000 |
| Noninterest expense | 325,000 | 643,000 | 988,000 | 1,424,000 |
| Provision for loan losses | 5,000 | 10,000 | 17,000 | 141,000 |
| Pretax income | 56,000 | 183,000 | 329,000 | 266,000 |
| Income tax | 0 | 49,000 | 95,000 | 59,000 |
| Net income | 56,000 | 134,000 | 234,000 | 207,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,417,000 | 3,887,000 | 3,987,000 | 4,010,000 |
| Total capital | 3,824,000 | 4,307,000 | 4,402,000 | 4,399,000 |
| Risk-weighted assets | 32,573,000 | 35,926,000 | 40,459,000 | 37,748,000 |