Call reports 2020
FIRST BANK OF UTICA — 2020
What FIRST BANK OF UTICA reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 71,147,000 | 71,441,000 | 73,440,000 | 75,306,000 |
| Total loans | 57,830,000 | 61,003,000 | 62,293,000 | 56,939,000 |
| Allowance for loan losses | 1,076,000 | 1,037,000 | 1,061,000 | 1,085,000 |
| Securities available for sale | 1,544,000 | 1,550,000 | 1,543,000 | 1,536,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 59,301,000 | 59,546,000 | 59,242,000 | 60,679,000 |
| Interest-bearing deposits | 49,861,000 | 50,836,000 | 50,172,000 | 50,382,000 |
| Noninterest-bearing deposits | 9,440,000 | 8,710,000 | 9,070,000 | 10,297,000 |
| Equity capital | 8,157,000 | 8,312,000 | 8,419,000 | 8,480,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 813,000 | 1,675,000 | 2,484,000 | 3,238,000 |
| Interest expense | 196,000 | 374,000 | 552,000 | 735,000 |
| Net interest income | 617,000 | 1,301,000 | 1,932,000 | 2,503,000 |
| Noninterest income | 28,000 | 49,000 | 71,000 | 98,000 |
| Noninterest expense | 500,000 | 987,000 | 1,470,000 | 1,957,000 |
| Provision for loan losses | 23,000 | 45,000 | 67,000 | 90,000 |
| Pretax income | 122,000 | 318,000 | 465,000 | 554,000 |
| Income tax | 30,000 | 77,000 | 113,000 | 135,000 |
| Net income | 92,000 | 241,000 | 352,000 | 419,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,186,000 | 8,349,000 | 8,451,000 | 8,501,000 |
| Total capital | 8,895,000 | 9,075,000 | 9,199,000 | 9,214,000 |
| Risk-weighted assets | 56,379,000 | 57,806,000 | 59,507,000 | 56,673,000 |