Call reports 2015
FIRST BANK OF UTICA — 2015
What FIRST BANK OF UTICA reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 60,034,000 | 64,164,000 | 67,262,000 | 67,294,000 |
| Total loans | 52,451,000 | 55,133,000 | 58,496,000 | 58,748,000 |
| Allowance for loan losses | 631,000 | 654,000 | 676,000 | 727,000 |
| Securities available for sale | 4,465,000 | 4,961,000 | 5,023,000 | 4,680,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 47,932,000 | 48,981,000 | 48,227,000 | 48,104,000 |
| Interest-bearing deposits | 40,104,000 | 41,001,000 | 40,970,000 | 39,980,000 |
| Noninterest-bearing deposits | 7,828,000 | 7,980,000 | 7,257,000 | 8,124,000 |
| Equity capital | 5,369,000 | 5,392,000 | 5,551,000 | 5,644,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 676,000 | 1,382,000 | 2,132,000 | 2,884,000 |
| Interest expense | 105,000 | 209,000 | 312,000 | 417,000 |
| Net interest income | 571,000 | 1,173,000 | 1,820,000 | 2,467,000 |
| Noninterest income | 19,000 | 42,000 | 66,000 | 99,000 |
| Noninterest expense | 448,000 | 911,000 | 1,381,000 | 1,841,000 |
| Provision for loan losses | 22,000 | 45,000 | 67,000 | 122,000 |
| Pretax income | 120,000 | 259,000 | 438,000 | 603,000 |
| Income tax | 42,000 | 90,000 | 154,000 | 211,000 |
| Net income | 78,000 | 169,000 | 284,000 | 392,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,369,000 | 5,480,000 | 5,530,000 | 5,619,000 |
| Total capital | 6,000,000 | 6,134,000 | 6,206,000 | 6,314,000 |
| Risk-weighted assets | 55,328,000 | 54,575,000 | 55,402,000 | 55,596,000 |