Call reports 2016
FIRST BANK OF UTICA — 2016
What FIRST BANK OF UTICA reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 69,321,000 | 72,155,000 | 74,682,000 | 70,507,000 |
| Total loans | 60,160,000 | 64,001,000 | 66,181,000 | 62,394,000 |
| Allowance for loan losses | 751,000 | 773,000 | 796,000 | 819,000 |
| Securities available for sale | 4,719,000 | 4,587,000 | 4,570,000 | 4,460,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 51,017,000 | 54,984,000 | 53,854,000 | 57,509,000 |
| Interest-bearing deposits | 41,975,000 | 46,351,000 | 45,378,000 | 46,699,000 |
| Noninterest-bearing deposits | 9,042,000 | 8,633,000 | 8,476,000 | 10,810,000 |
| Equity capital | 5,765,000 | 7,314,000 | 7,437,000 | 7,535,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 750,000 | 1,566,000 | 2,384,000 | 3,198,000 |
| Interest expense | 110,000 | 231,000 | 356,000 | 492,000 |
| Net interest income | 640,000 | 1,335,000 | 2,028,000 | 2,706,000 |
| Noninterest income | 20,000 | 45,000 | 65,000 | 94,000 |
| Noninterest expense | 482,000 | 976,000 | 1,469,000 | 1,888,000 |
| Provision for loan losses | 23,000 | 45,000 | 68,000 | 90,000 |
| Pretax income | 155,000 | 359,000 | 556,000 | 822,000 |
| Income tax | 51,000 | 120,000 | 186,000 | 276,000 |
| Net income | 104,000 | 239,000 | 370,000 | 546,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,785,000 | 7,374,000 | 7,485,000 | 7,479,000 |
| Total capital | 6,490,000 | 8,129,000 | 8,269,000 | 8,222,000 |
| Risk-weighted assets | 56,326,000 | 60,399,000 | 62,657,000 | 59,345,000 |