Call reports 2005
BANK OF UTICA — 2005
What BANK OF UTICA reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 912,366,000 | 890,155,000 | 838,271,000 | 797,230,000 |
| Total loans | 53,231,000 | 50,241,000 | 50,585,000 | 50,405,000 |
| Allowance for loan losses | 2,846,000 | 2,080,000 | 2,054,000 | 2,102,000 |
| Securities available for sale | 25,256,000 | 39,639,000 | 40,943,000 | 41,525,000 |
| Securities held to maturity | 798,262,000 | 774,446,000 | 723,236,000 | 681,820,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 819,088,000 | 794,033,000 | 741,009,000 | 698,333,000 |
| Interest-bearing deposits | 793,269,000 | 766,216,000 | 712,832,000 | 670,606,000 |
| Noninterest-bearing deposits | 25,819,000 | 27,818,000 | 28,177,000 | 27,727,000 |
| Equity capital | 88,253,000 | 90,386,000 | 91,974,000 | 93,436,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 9,270,000 | 18,076,000 | 26,585,000 | 34,648,000 |
| Interest expense | 5,096,000 | 10,287,000 | 15,618,000 | 20,962,000 |
| Net interest income | 4,174,000 | 7,789,000 | 10,967,000 | 13,686,000 |
| Noninterest income | 193,000 | 396,000 | 546,000 | 749,000 |
| Noninterest expense | 1,193,000 | 2,359,000 | 3,477,000 | 4,660,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 3,352,000 | 6,170,000 | 8,390,000 | 9,758,000 |
| Income tax | 826,000 | 1,455,000 | 1,830,000 | 2,135,000 |
| Net income | 2,526,000 | 4,715,000 | 6,560,000 | 7,623,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 81,972,000 | 84,162,000 | 85,219,000 | 86,282,000 |
| Total capital | 88,738,000 | 90,133,000 | 91,600,000 | 93,135,000 |
| Risk-weighted assets | 474,001,000 | 452,592,000 | 429,933,000 | 400,701,000 |