Call reports 2008
BANK OF UTICA — 2008
What BANK OF UTICA reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 846,385,000 | 877,273,000 | 846,275,000 | 836,028,000 |
| Total loans | 49,975,000 | 48,641,000 | 49,597,000 | 49,498,000 |
| Allowance for loan losses | 2,604,000 | 2,605,000 | 2,450,000 | 2,431,000 |
| Securities available for sale | 31,269,000 | 26,999,000 | 21,455,000 | 20,288,000 |
| Securities held to maturity | 696,787,000 | 731,928,000 | 710,011,000 | 691,680,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 737,688,000 | 767,802,000 | 751,248,000 | 741,166,000 |
| Interest-bearing deposits | 715,694,000 | 737,229,000 | 724,282,000 | 717,870,000 |
| Noninterest-bearing deposits | 21,994,000 | 30,573,000 | 26,967,000 | 23,296,000 |
| Equity capital | 102,038,000 | 104,767,000 | 92,910,000 | 91,650,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 10,050,000 | 20,633,000 | 31,228,000 | 41,493,000 |
| Interest expense | 6,633,000 | 12,742,000 | 18,273,000 | 23,223,000 |
| Net interest income | 3,417,000 | 7,891,000 | 12,955,000 | 18,270,000 |
| Noninterest income | 221,000 | 374,000 | 512,000 | 658,000 |
| Noninterest expense | 1,170,000 | 2,443,000 | 3,432,000 | 5,659,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 2,424,000 | 4,330,000 | -12,038,000 | -11,075,000 |
| Income tax | 528,000 | 912,000 | -5,939,000 | -5,325,000 |
| Net income | 1,896,000 | 3,418,000 | -6,099,000 | -5,750,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 97,814,000 | 99,336,000 | 88,906,000 | 89,256,000 |
| Total capital | 102,783,000 | 105,130,000 | 93,497,000 | 92,648,000 |
| Risk-weighted assets | 588,036,000 | 654,659,000 | 643,117,000 | 633,116,000 |