Call reports 2017
FIRST BANK OF UTICA — 2017
What FIRST BANK OF UTICA reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 70,209,000 | 68,681,000 | 72,103,000 | 68,745,000 |
| Total loans | 62,427,000 | 59,618,000 | 64,261,000 | 60,137,000 |
| Allowance for loan losses | 841,000 | 865,000 | 888,000 | 897,000 |
| Securities available for sale | 4,484,000 | 3,494,000 | 3,491,000 | 3,014,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 57,902,000 | 56,671,000 | 56,651,000 | 54,803,000 |
| Interest-bearing deposits | 48,089,000 | 48,342,000 | 46,476,000 | 43,560,000 |
| Noninterest-bearing deposits | 9,813,000 | 8,329,000 | 10,175,000 | 11,243,000 |
| Equity capital | 7,536,000 | 7,642,000 | 7,731,000 | 7,901,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 767,000 | 1,578,000 | 2,388,000 | 3,185,000 |
| Interest expense | 127,000 | 256,000 | 389,000 | 521,000 |
| Net interest income | 640,000 | 1,322,000 | 1,999,000 | 2,664,000 |
| Noninterest income | 18,000 | 45,000 | 71,000 | 102,000 |
| Noninterest expense | 483,000 | 1,010,000 | 1,539,000 | 2,055,000 |
| Provision for loan losses | 22,000 | 45,000 | 68,000 | 90,000 |
| Pretax income | 153,000 | 312,000 | 463,000 | 621,000 |
| Income tax | 51,000 | 105,000 | 158,000 | 213,000 |
| Net income | 102,000 | 207,000 | 305,000 | 408,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,509,000 | 7,636,000 | 7,727,000 | 7,870,000 |
| Total capital | 8,247,000 | 8,352,000 | 8,494,000 | 8,587,000 |
| Risk-weighted assets | 58,917,000 | 57,132,000 | 61,225,000 | 57,192,000 |