Call reports 2003
BANK OF UTICA — 2003
What BANK OF UTICA reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 870,277,000 | 906,940,000 | 955,458,000 | 951,097,000 |
| Total loans | 61,884,000 | 63,453,000 | 60,041,000 | 57,141,000 |
| Allowance for loan losses | 2,517,000 | 2,400,000 | 2,524,000 | 2,692,000 |
| Securities available for sale | 10,226,000 | 12,395,000 | 12,977,000 | 12,393,000 |
| Securities held to maturity | 750,161,000 | 793,963,000 | 831,864,000 | 822,217,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 803,081,000 | 835,758,000 | 880,228,000 | 873,133,000 |
| Interest-bearing deposits | 776,707,000 | 809,170,000 | 852,146,000 | 846,538,000 |
| Noninterest-bearing deposits | 26,374,000 | 26,588,000 | 28,082,000 | 26,595,000 |
| Equity capital | 63,720,000 | 67,719,000 | 71,109,000 | 74,165,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 10,980,000 | 21,920,000 | 32,980,000 | 43,805,000 |
| Interest expense | 5,807,000 | 11,378,000 | 16,610,000 | 21,596,000 |
| Net interest income | 5,173,000 | 10,542,000 | 16,370,000 | 22,209,000 |
| Noninterest income | 169,000 | 341,000 | 510,000 | 686,000 |
| Noninterest expense | 1,167,000 | 2,388,000 | 3,639,000 | 6,111,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 4,216,000 | 8,404,000 | 12,963,000 | 16,607,000 |
| Income tax | 1,352,000 | 2,570,000 | 3,833,000 | 5,606,000 |
| Net income | 2,864,000 | 5,834,000 | 9,130,000 | 11,001,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 61,329,000 | 64,299,000 | 66,908,000 | 68,779,000 |
| Total capital | 65,309,000 | 68,854,000 | 72,125,000 | 74,641,000 |
| Risk-weighted assets | 462,969,000 | 485,019,000 | 518,963,000 | 496,619,000 |