Call reports 2022
FIRST BANK OF UTICA — 2022
What FIRST BANK OF UTICA reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 82,850,000 | 79,503,000 | 77,605,000 | 78,266,000 |
| Total loans | 52,351,000 | 53,336,000 | 57,153,000 | 53,599,000 |
| Allowance for loan losses | 1,091,000 | 1,092,000 | 1,089,000 | 1,089,000 |
| Securities available for sale | 304,000 | 736,000 | 1,720,000 | 2,091,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 68,808,000 | 65,420,000 | 63,389,000 | 64,110,000 |
| Interest-bearing deposits | 52,213,000 | 50,979,000 | 49,953,000 | 47,492,000 |
| Noninterest-bearing deposits | 16,594,000 | 14,441,000 | 13,436,000 | 16,618,000 |
| Equity capital | 8,682,000 | 8,785,000 | 8,995,000 | 9,078,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 639,000 | 1,352,000 | 2,193,000 | 3,092,000 |
| Interest expense | 115,000 | 219,000 | 322,000 | 429,000 |
| Net interest income | 524,000 | 1,133,000 | 1,871,000 | 2,663,000 |
| Noninterest income | 20,000 | 46,000 | 109,000 | 132,000 |
| Noninterest expense | 495,000 | 993,000 | 1,500,000 | 2,051,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 49,000 | 186,000 | 480,000 | 744,000 |
| Income tax | 10,000 | 46,000 | 115,000 | 176,000 |
| Net income | 39,000 | 140,000 | 365,000 | 568,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,677,000 | 8,782,000 | 8,977,000 | 9,060,000 |
| Total capital | 9,371,000 | 9,474,000 | 9,710,000 | 9,758,000 |
| Risk-weighted assets | 55,109,000 | 54,968,000 | 58,281,000 | 55,434,000 |