Call reports 2001
BANK OF UTICA — 2001
What BANK OF UTICA reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 586,087,000 | 617,218,000 | 649,509,000 | 695,779,000 |
| Total loans | 75,438,000 | 73,102,000 | 70,089,000 | 71,933,000 |
| Allowance for loan losses | 2,812,000 | 2,673,000 | 2,598,000 | 2,677,000 |
| Securities available for sale | 14,099,000 | 13,117,000 | 11,485,000 | 11,651,000 |
| Securities held to maturity | 465,735,000 | 498,844,000 | 536,255,000 | 578,932,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 524,341,000 | 556,734,000 | 591,241,000 | 626,263,000 |
| Interest-bearing deposits | 499,219,000 | 533,494,000 | 567,541,000 | 600,289,000 |
| Noninterest-bearing deposits | 25,122,000 | 23,240,000 | 23,699,000 | 25,974,000 |
| Equity capital | 52,545,000 | 54,549,000 | 54,456,000 | 57,285,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 9,492,000 | 19,606,000 | 30,310,000 | 41,488,000 |
| Interest expense | 7,108,000 | 14,563,000 | 21,936,000 | 29,157,000 |
| Net interest income | 2,384,000 | 5,043,000 | 8,374,000 | 12,331,000 |
| Noninterest income | 119,000 | 242,000 | 377,000 | 535,000 |
| Noninterest expense | 939,000 | 1,895,000 | 2,869,000 | 3,953,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,564,000 | 4,132,000 | 6,625,000 | 8,988,000 |
| Income tax | 398,000 | 1,195,000 | 1,972,000 | 2,801,000 |
| Net income | 1,166,000 | 2,937,000 | 4,653,000 | 6,187,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 48,890,000 | 50,661,000 | 51,815,000 | 53,348,000 |
| Total capital | 54,445,000 | 56,251,000 | 56,396,000 | 58,979,000 |
| Risk-weighted assets | 386,576,000 | 408,678,000 | 411,517,000 | 434,121,000 |