Call reports 2018
FIRST BANK OF UTICA — 2018
What FIRST BANK OF UTICA reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 65,678,000 | 65,430,000 | 70,197,000 | 67,540,000 |
| Total loans | 58,251,000 | 60,102,000 | 62,936,000 | 58,798,000 |
| Allowance for loan losses | 910,000 | 946,000 | 950,000 | 971,000 |
| Securities available for sale | 2,993,000 | 2,034,000 | 2,025,000 | 1,664,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 53,304,000 | 50,155,000 | 53,792,000 | 55,225,000 |
| Interest-bearing deposits | 44,192,000 | 41,681,000 | 44,153,000 | 46,056,000 |
| Noninterest-bearing deposits | 9,112,000 | 8,474,000 | 9,639,000 | 9,169,000 |
| Equity capital | 7,867,000 | 7,993,000 | 8,116,000 | 8,246,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 746,000 | 1,529,000 | 2,351,000 | 3,167,000 |
| Interest expense | 124,000 | 251,000 | 406,000 | 590,000 |
| Net interest income | 622,000 | 1,278,000 | 1,945,000 | 2,577,000 |
| Noninterest income | 57,000 | 105,000 | 141,000 | 181,000 |
| Noninterest expense | 526,000 | 1,021,000 | 1,528,000 | 1,992,000 |
| Provision for loan losses | 24,000 | 49,000 | 73,000 | 128,000 |
| Pretax income | 129,000 | 313,000 | 485,000 | 638,000 |
| Income tax | 30,000 | 73,000 | 115,000 | 152,000 |
| Net income | 99,000 | 240,000 | 370,000 | 486,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,819,000 | 7,940,000 | 8,057,000 | 8,204,000 |
| Total capital | 8,509,000 | 8,650,000 | 8,813,000 | 8,917,000 |
| Risk-weighted assets | 55,011,000 | 56,529,000 | 60,281,000 | 56,773,000 |