Call reports 2021
FIRST BANK OF UTICA — 2021
What FIRST BANK OF UTICA reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 77,934,000 | 78,574,000 | 77,872,000 | 72,079,000 |
| Total loans | 52,905,000 | 55,634,000 | 56,160,000 | 54,706,000 |
| Allowance for loan losses | 1,086,000 | 1,087,000 | 1,089,000 | 1,078,000 |
| Securities available for sale | 1,887,000 | 1,929,000 | 1,921,000 | 1,811,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 63,473,000 | 64,107,000 | 63,485,000 | 57,878,000 |
| Interest-bearing deposits | 52,154,000 | 53,476,000 | 51,919,000 | 47,232,000 |
| Noninterest-bearing deposits | 11,319,000 | 10,631,000 | 11,566,000 | 10,646,000 |
| Equity capital | 8,360,000 | 8,547,000 | 8,601,000 | 8,739,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 879,000 | 1,745,000 | 2,446,000 | 3,145,000 |
| Interest expense | 178,000 | 351,000 | 522,000 | 656,000 |
| Net interest income | 701,000 | 1,394,000 | 1,924,000 | 2,489,000 |
| Noninterest income | 22,000 | 49,000 | 80,000 | 108,000 |
| Noninterest expense | 476,000 | 944,000 | 1,422,000 | 1,834,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 247,000 | 499,000 | 582,000 | 763,000 |
| Income tax | 58,000 | 118,000 | 141,000 | 180,000 |
| Net income | 189,000 | 381,000 | 441,000 | 583,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,376,000 | 8,558,000 | 8,607,000 | 8,740,000 |
| Total capital | 9,024,000 | 9,241,000 | 9,319,000 | 9,434,000 |
| Risk-weighted assets | 51,409,000 | 54,272,000 | 56,565,000 | 55,143,000 |