Call reports 2004
BANK OF UTICA — 2004
What BANK OF UTICA reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 964,493,000 | 962,520,000 | 958,235,000 | 958,601,000 |
| Total loans | 55,244,000 | 54,439,000 | 54,247,000 | 53,424,000 |
| Allowance for loan losses | 2,697,000 | 2,746,000 | 2,744,000 | 2,852,000 |
| Securities available for sale | 16,450,000 | 21,647,000 | 22,431,000 | 24,836,000 |
| Securities held to maturity | 820,255,000 | 848,064,000 | 848,945,000 | 849,007,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 882,441,000 | 877,745,000 | 870,516,000 | 862,776,000 |
| Interest-bearing deposits | 854,539,000 | 847,895,000 | 846,637,000 | 836,227,000 |
| Noninterest-bearing deposits | 27,902,000 | 29,850,000 | 23,879,000 | 26,549,000 |
| Equity capital | 77,304,000 | 80,415,000 | 82,883,000 | 86,717,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 10,413,000 | 20,578,000 | 30,531,000 | 40,368,000 |
| Interest expense | 4,671,000 | 9,386,000 | 14,177,000 | 19,150,000 |
| Net interest income | 5,742,000 | 11,192,000 | 16,354,000 | 21,218,000 |
| Noninterest income | 171,000 | 379,000 | 559,000 | 746,000 |
| Noninterest expense | 1,267,000 | 2,505,000 | 3,753,000 | 4,558,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 5,233,000 | 9,719,000 | 14,115,000 | 18,362,000 |
| Income tax | 1,510,000 | 2,817,000 | 4,022,000 | 5,407,000 |
| Net income | 3,723,000 | 6,902,000 | 10,093,000 | 12,955,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 71,752,000 | 74,931,000 | 77,373,000 | 80,234,000 |
| Total capital | 77,701,000 | 81,004,000 | 83,397,000 | 87,011,000 |
| Risk-weighted assets | 473,797,000 | 492,207,000 | 518,009,000 | 513,698,000 |