Call reports 2025
FIRST BANK OF UTICA — 2025
What FIRST BANK OF UTICA reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 76,617,000 | 77,363,000 | 75,049,000 | 80,299,000 |
| Total loans | 57,431,000 | 60,040,000 | 62,611,000 | 60,917,000 |
| Allowance for loan losses | 1,097,000 | 1,098,000 | 1,100,000 | 1,102,000 |
| Securities available for sale | 616,000 | 616,000 | 121,000 | 119,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 61,802,000 | 62,532,000 | 60,093,000 | 65,356,000 |
| Interest-bearing deposits | 49,210,000 | 51,047,000 | 48,288,000 | 53,470,000 |
| Noninterest-bearing deposits | 12,592,000 | 11,485,000 | 11,805,000 | 11,886,000 |
| Equity capital | 10,529,000 | 10,701,000 | 10,885,000 | 11,132,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 1,053,000 | 2,188,000 | 3,353,000 | 4,496,000 |
| Interest expense | 299,000 | 604,000 | 900,000 | 1,188,000 |
| Net interest income | 754,000 | 1,584,000 | 2,453,000 | 3,308,000 |
| Noninterest income | 22,000 | 48,000 | 67,000 | 93,000 |
| Noninterest expense | 606,000 | 1,235,000 | 1,884,000 | 2,443,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 170,000 | 397,000 | 636,000 | 958,000 |
| Income tax | 39,000 | 94,000 | 153,000 | 227,000 |
| Net income | 131,000 | 303,000 | 483,000 | 731,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,532,000 | 10,704,000 | 10,885,000 | 11,132,000 |