Call reports 2006
BANK OF UTICA — 2006
What BANK OF UTICA reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 766,337,000 | 767,390,000 | 742,012,000 | 735,749,000 |
| Total loans | 53,057,000 | 50,504,000 | 48,218,000 | 50,133,000 |
| Allowance for loan losses | 2,107,000 | 1,982,000 | 1,998,000 | 2,061,000 |
| Securities available for sale | 39,613,000 | 36,909,000 | 33,703,000 | 33,506,000 |
| Securities held to maturity | 654,721,000 | 651,829,000 | 626,585,000 | 607,814,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 665,201,000 | 665,158,000 | 639,512,000 | 631,703,000 |
| Interest-bearing deposits | 643,675,000 | 640,534,000 | 616,244,000 | 602,627,000 |
| Noninterest-bearing deposits | 21,526,000 | 24,624,000 | 23,268,000 | 29,076,000 |
| Equity capital | 94,795,000 | 95,604,000 | 96,246,000 | 98,737,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 7,661,000 | 15,357,000 | 23,224,000 | 31,330,000 |
| Interest expense | 5,360,000 | 10,965,000 | 16,707,000 | 22,384,000 |
| Net interest income | 2,301,000 | 4,392,000 | 6,517,000 | 8,946,000 |
| Noninterest income | 151,000 | 285,000 | 415,000 | 542,000 |
| Noninterest expense | 1,038,000 | 2,087,000 | 3,140,000 | 4,252,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,623,000 | 3,730,000 | 5,568,000 | 8,284,000 |
| Income tax | 330,000 | 798,000 | 1,182,000 | 1,569,000 |
| Net income | 1,293,000 | 2,932,000 | 4,386,000 | 6,715,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 86,763,000 | 88,402,000 | 89,043,000 | 91,372,000 |
| Total capital | 94,126,000 | 95,078,000 | 95,714,000 | 98,222,000 |
| Risk-weighted assets | 363,228,000 | 354,055,000 | 360,550,000 | 355,894,000 |