Call reports 2014
FIRST BANK OF UTICA — 2014
What FIRST BANK OF UTICA reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 61,556,000 | 64,190,000 | 67,153,000 | 62,878,000 |
| Total loans | 49,918,000 | 52,380,000 | 56,042,000 | 54,081,000 |
| Allowance for loan losses | 551,000 | 549,000 | 578,000 | 608,000 |
| Securities available for sale | 7,297,000 | 7,748,000 | 6,928,000 | 4,426,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 45,658,000 | 47,235,000 | 45,361,000 | 49,816,000 |
| Interest-bearing deposits | 37,749,000 | 38,798,000 | 37,705,000 | 40,362,000 |
| Noninterest-bearing deposits | 7,909,000 | 8,437,000 | 7,656,000 | 9,454,000 |
| Equity capital | 4,893,000 | 5,082,000 | 5,238,000 | 5,275,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 672,000 | 1,369,000 | 2,111,000 | 2,829,000 |
| Interest expense | 114,000 | 225,000 | 339,000 | 449,000 |
| Net interest income | 558,000 | 1,144,000 | 1,772,000 | 2,380,000 |
| Noninterest income | 33,000 | 55,000 | 74,000 | 112,000 |
| Noninterest expense | 407,000 | 823,000 | 1,258,000 | 1,800,000 |
| Provision for loan losses | 15,000 | 30,000 | 60,000 | 90,000 |
| Pretax income | 169,000 | 346,000 | 528,000 | 580,000 |
| Income tax | 56,000 | 116,000 | 176,000 | 195,000 |
| Net income | 113,000 | 230,000 | 352,000 | 385,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,041,000 | 5,159,000 | 5,279,000 | 5,304,000 |
| Total capital | 5,592,000 | 5,708,000 | 5,857,000 | 5,912,000 |
| Risk-weighted assets | 49,199,000 | 51,674,000 | 53,470,000 | 51,222,000 |