Call reports 2012
FIRST BANK OF UTICA — 2012
What FIRST BANK OF UTICA reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 52,842,000 | 53,990,000 | 56,591,000 | 56,288,000 |
| Total loans | 37,365,000 | 42,041,000 | 45,651,000 | 45,064,000 |
| Allowance for loan losses | 399,000 | 408,000 | 424,000 | 440,000 |
| Securities available for sale | 2,671,000 | 7,243,000 | 6,506,000 | 6,161,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 44,360,000 | 44,771,000 | 44,336,000 | 42,648,000 |
| Interest-bearing deposits | 37,670,000 | 38,271,000 | 37,361,000 | 36,020,000 |
| Noninterest-bearing deposits | 6,690,000 | 6,500,000 | 6,975,000 | 6,628,000 |
| Equity capital | 4,084,000 | 4,243,000 | 4,654,000 | 4,705,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 544,000 | 1,121,000 | 1,751,000 | 2,369,000 |
| Interest expense | 140,000 | 288,000 | 436,000 | 578,000 |
| Net interest income | 404,000 | 833,000 | 1,315,000 | 1,791,000 |
| Noninterest income | 15,000 | 34,000 | 57,000 | 88,000 |
| Noninterest expense | 354,000 | 727,000 | 1,076,000 | 1,490,000 |
| Provision for loan losses | 10,000 | 25,000 | 40,000 | 55,000 |
| Pretax income | 48,000 | 108,000 | 249,000 | 327,000 |
| Income tax | 6,000 | 14,000 | 55,000 | 81,000 |
| Net income | 42,000 | 94,000 | 194,000 | 246,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,053,000 | 4,205,000 | 4,604,000 | 4,656,000 |
| Total capital | 4,452,000 | 4,613,000 | 5,028,000 | 5,096,000 |
| Risk-weighted assets | 38,717,000 | 43,218,000 | 44,764,000 | 44,770,000 |