Call reports 2007
BANK OF UTICA — 2007
What BANK OF UTICA reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 714,317,000 | 707,718,000 | 719,811,000 | 773,142,000 |
| Total loans | 48,800,000 | 49,641,000 | 48,325,000 | 48,721,000 |
| Allowance for loan losses | 2,399,000 | 2,522,000 | 3,098,000 | 2,606,000 |
| Securities available for sale | 34,058,000 | 29,832,000 | 34,575,000 | 33,140,000 |
| Securities held to maturity | 585,136,000 | 580,024,000 | 579,532,000 | 630,715,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 605,578,000 | 599,324,000 | 611,477,000 | 665,787,000 |
| Interest-bearing deposits | 581,995,000 | 575,941,000 | 588,549,000 | 635,849,000 |
| Noninterest-bearing deposits | 23,583,000 | 23,383,000 | 22,928,000 | 29,938,000 |
| Equity capital | 99,421,000 | 101,792,000 | 102,673,000 | 102,662,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 7,960,000 | 15,835,000 | 24,265,000 | 33,372,000 |
| Interest expense | 5,487,000 | 11,006,000 | 16,843,000 | 22,998,000 |
| Net interest income | 2,473,000 | 4,829,000 | 7,422,000 | 10,374,000 |
| Noninterest income | 240,000 | 467,000 | 790,000 | 1,144,000 |
| Noninterest expense | 1,058,000 | 2,121,000 | 3,155,000 | 4,384,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 2,045,000 | 4,161,000 | 6,795,000 | 9,498,000 |
| Income tax | 429,000 | 892,000 | 1,546,000 | 2,340,000 |
| Net income | 1,616,000 | 3,269,000 | 5,249,000 | 7,158,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 92,138,000 | 93,792,000 | 94,921,000 | 96,830,000 |
| Total capital | 99,234,000 | 101,517,000 | 103,127,000 | 103,619,000 |
| Risk-weighted assets | 341,711,000 | 361,769,000 | 393,633,000 | 478,816,000 |