Call reports 2009
BANK OF UTICA — 2009
What BANK OF UTICA reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 835,857,000 | 808,051,000 | 815,854,000 | 815,524,000 |
| Total loans | 49,663,000 | 51,553,000 | 51,173,000 | 52,625,000 |
| Allowance for loan losses | 2,445,000 | 2,346,000 | 2,343,000 | 2,250,000 |
| Securities available for sale | 24,578,000 | 32,138,000 | 33,880,000 | 35,189,000 |
| Securities held to maturity | 680,267,000 | 669,890,000 | 683,255,000 | 669,635,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 742,532,000 | 705,038,000 | 694,313,000 | 691,674,000 |
| Interest-bearing deposits | 716,640,000 | 676,288,000 | 664,809,000 | 664,089,000 |
| Noninterest-bearing deposits | 25,892,000 | 28,750,000 | 29,504,000 | 27,585,000 |
| Equity capital | 90,566,000 | 92,453,000 | 94,645,000 | 101,317,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 9,717,000 | 19,485,000 | 28,698,000 | 37,892,000 |
| Interest expense | 4,218,000 | 7,925,000 | 11,507,000 | 14,836,000 |
| Net interest income | 5,499,000 | 11,560,000 | 17,191,000 | 23,056,000 |
| Noninterest income | 153,000 | 282,000 | 421,000 | 562,000 |
| Noninterest expense | 1,529,000 | 4,416,000 | 5,934,000 | 6,869,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 2,054,000 | 480,000 | 780,000 | 9,170,000 |
| Income tax | 458,000 | -516,000 | -720,000 | 2,106,000 |
| Net income | 1,596,000 | 996,000 | 1,500,000 | 7,064,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 89,207,000 | 89,314,000 | 88,881,000 | 93,457,000 |
| Total capital | 91,652,000 | 93,168,000 | 94,658,000 | 100,680,000 |
| Risk-weighted assets | 629,223,000 | 635,801,000 | 657,037,000 | 645,474,000 |