Call reports 2010
BANK OF UTICA — 2010
What BANK OF UTICA reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 811,657,000 | 831,649,000 | 832,241,000 | 848,894,000 |
| Total loans | 50,646,000 | 53,408,000 | 51,931,000 | 52,308,000 |
| Allowance for loan losses | 2,266,000 | 2,375,000 | 2,376,000 | 2,125,000 |
| Securities available for sale | 48,313,000 | 44,851,000 | 50,707,000 | 54,011,000 |
| Securities held to maturity | 663,334,000 | 680,134,000 | 680,305,000 | 694,692,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 684,042,000 | 696,850,000 | 694,837,000 | 702,792,000 |
| Interest-bearing deposits | 654,723,000 | 664,540,000 | 668,744,000 | 679,443,000 |
| Noninterest-bearing deposits | 29,319,000 | 32,310,000 | 26,093,000 | 23,349,000 |
| Equity capital | 106,634,000 | 106,293,000 | 112,760,000 | 117,214,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 8,973,000 | 17,885,000 | 26,741,000 | 35,425,000 |
| Interest expense | 2,932,000 | 5,757,000 | 8,580,000 | 11,355,000 |
| Net interest income | 6,041,000 | 12,128,000 | 18,161,000 | 24,070,000 |
| Noninterest income | 128,000 | 278,000 | 402,000 | 553,000 |
| Noninterest expense | 1,617,000 | 3,108,000 | 4,628,000 | 6,201,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 4,682,000 | 9,674,000 | 15,076,000 | 20,848,000 |
| Income tax | 1,494,000 | 3,125,000 | 4,921,000 | 7,099,000 |
| Net income | 3,188,000 | 6,549,000 | 10,155,000 | 13,749,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 97,729,000 | 100,103,000 | 103,709,000 | 106,191,000 |
| Total capital | 106,531,000 | 107,021,000 | 112,728,000 | 116,407,000 |
| Risk-weighted assets | 657,500,000 | 690,911,000 | 715,412,000 | 728,403,000 |