Call reports 2002
BANK OF UTICA — 2002
What BANK OF UTICA reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 740,538,000 | 778,505,000 | 807,786,000 | 824,142,000 |
| Total loans | 69,546,000 | 68,483,000 | 65,965,000 | 64,913,000 |
| Allowance for loan losses | 3,024,000 | 2,535,000 | 2,636,000 | 2,454,000 |
| Securities available for sale | 12,005,000 | 11,138,000 | 9,373,000 | 10,282,000 |
| Securities held to maturity | 612,210,000 | 649,067,000 | 693,529,000 | 708,959,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 677,034,000 | 716,791,000 | 731,238,000 | 759,694,000 |
| Interest-bearing deposits | 654,882,000 | 690,938,000 | 703,530,000 | 733,620,000 |
| Noninterest-bearing deposits | 22,152,000 | 25,853,000 | 27,708,000 | 26,074,000 |
| Equity capital | 58,986,000 | 58,665,000 | 58,909,000 | 61,700,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 11,064,000 | 22,478,000 | 33,867,000 | 45,012,000 |
| Interest expense | 6,526,000 | 12,830,000 | 19,129,000 | 25,298,000 |
| Net interest income | 4,538,000 | 9,648,000 | 14,738,000 | 19,714,000 |
| Noninterest income | 141,000 | 275,000 | 405,000 | 542,000 |
| Noninterest expense | 1,116,000 | 2,400,000 | 3,647,000 | 4,439,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 3,145,000 | 7,105,000 | 5,289,000 | 9,748,000 |
| Income tax | 970,000 | 1,671,000 | 577,000 | 2,693,000 |
| Net income | 2,175,000 | 5,434,000 | 4,712,000 | 7,055,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 54,899,000 | 58,157,000 | 56,811,000 | 59,154,000 |
| Total capital | 60,985,000 | 63,018,000 | 60,943,000 | 63,268,000 |
| Risk-weighted assets | 454,421,000 | 457,551,000 | 447,620,000 | 449,137,000 |