Call reports 2019
FIRST BANK OF UTICA — 2019
What FIRST BANK OF UTICA reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 66,582,000 | 67,896,000 | 70,071,000 | 67,651,000 |
| Total loans | 56,605,000 | 59,000,000 | 62,582,000 | 60,179,000 |
| Allowance for loan losses | 992,000 | 1,016,000 | 1,040,000 | 1,056,000 |
| Securities available for sale | 1,681,000 | 1,700,000 | 1,702,000 | 1,521,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 54,498,000 | 55,765,000 | 57,789,000 | 55,419,000 |
| Interest-bearing deposits | 44,766,000 | 47,064,000 | 49,893,000 | 46,921,000 |
| Noninterest-bearing deposits | 9,732,000 | 8,701,000 | 7,896,000 | 8,498,000 |
| Equity capital | 8,134,000 | 8,263,000 | 8,390,000 | 8,515,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 788,000 | 1,608,000 | 2,472,000 | 3,332,000 |
| Interest expense | 167,000 | 351,000 | 554,000 | 756,000 |
| Net interest income | 621,000 | 1,257,000 | 1,918,000 | 2,576,000 |
| Noninterest income | 40,000 | 95,000 | 124,000 | 155,000 |
| Noninterest expense | 512,000 | 1,016,000 | 1,507,000 | 1,995,000 |
| Provision for loan losses | 24,000 | 47,000 | 69,000 | 92,000 |
| Pretax income | 125,000 | 289,000 | 466,000 | 644,000 |
| Income tax | 30,000 | 70,000 | 113,000 | 156,000 |
| Net income | 95,000 | 219,000 | 353,000 | 488,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,111,000 | 8,261,000 | 8,392,000 | 8,518,000 |
| Total capital | 8,798,000 | 8,975,000 | 9,152,000 | 9,251,000 |
| Risk-weighted assets | 54,664,000 | 56,787,000 | 60,509,000 | 58,329,000 |