Call reports 2013
FIRST BANK OF UTICA — 2013
What FIRST BANK OF UTICA reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 59,188,000 | 59,166,000 | 59,899,000 | 61,746,000 |
| Total loans | 41,675,000 | 44,756,000 | 48,468,000 | 50,157,000 |
| Allowance for loan losses | 455,000 | 464,000 | 490,000 | 529,000 |
| Securities available for sale | 12,115,000 | 10,710,000 | 7,174,000 | 7,123,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 48,888,000 | 46,207,000 | 44,939,000 | 42,921,000 |
| Interest-bearing deposits | 40,732,000 | 39,258,000 | 37,727,000 | 35,033,000 |
| Noninterest-bearing deposits | 8,156,000 | 6,949,000 | 7,212,000 | 7,888,000 |
| Equity capital | 4,775,000 | 4,574,000 | 4,575,000 | 4,677,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 599,000 | 1,214,000 | 1,849,000 | 2,512,000 |
| Interest expense | 131,000 | 256,000 | 380,000 | 500,000 |
| Net interest income | 468,000 | 958,000 | 1,469,000 | 2,012,000 |
| Noninterest income | 19,000 | 42,000 | 62,000 | 93,000 |
| Noninterest expense | 361,000 | 749,000 | 1,154,000 | 1,642,000 |
| Provision for loan losses | 15,000 | 30,000 | 135,000 | 165,000 |
| Pretax income | 111,000 | 221,000 | 257,000 | 313,000 |
| Income tax | 27,000 | 59,000 | 61,000 | 63,000 |
| Net income | 84,000 | 162,000 | 196,000 | 250,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,753,000 | 4,799,000 | 4,821,000 | 4,941,000 |
| Total capital | 5,208,000 | 5,263,000 | 5,311,000 | 5,470,000 |
| Risk-weighted assets | 42,356,000 | 45,105,000 | 47,919,000 | 49,151,000 |