Call reports 2011
BANK OF UTICA — 2011
What BANK OF UTICA reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 870,692,000 | 874,981,000 | 900,888,000 | 878,058,000 |
| Total loans | 54,552,000 | 52,766,000 | 53,239,000 | 53,420,000 |
| Allowance for loan losses | 2,127,000 | 1,229,000 | 842,000 | 839,000 |
| Securities available for sale | 57,592,000 | 56,600,000 | 58,400,000 | 62,965,000 |
| Securities held to maturity | 712,443,000 | 725,039,000 | 758,610,000 | 735,667,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 717,480,000 | 733,688,000 | 759,844,000 | 728,701,000 |
| Interest-bearing deposits | 690,302,000 | 707,884,000 | 729,989,000 | 699,905,000 |
| Noninterest-bearing deposits | 27,178,000 | 25,804,000 | 29,855,000 | 28,796,000 |
| Equity capital | 122,521,000 | 124,292,000 | 123,170,000 | 130,081,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 8,445,000 | 16,822,000 | 25,207,000 | 33,494,000 |
| Interest expense | 2,591,000 | 5,086,000 | 7,546,000 | 9,842,000 |
| Net interest income | 5,854,000 | 11,736,000 | 17,661,000 | 23,652,000 |
| Noninterest income | 127,000 | 225,000 | 339,000 | 459,000 |
| Noninterest expense | 1,515,000 | 3,020,000 | 4,536,000 | 5,444,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 4,592,000 | 10,037,000 | 14,311,000 | 19,770,000 |
| Income tax | 1,481,000 | 3,269,000 | 4,606,000 | 6,150,000 |
| Net income | 3,111,000 | 6,768,000 | 9,705,000 | 13,620,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 109,302,000 | 111,846,000 | 114,783,000 | 117,486,000 |
| Total capital | 121,131,000 | 122,210,000 | 121,781,000 | 127,569,000 |
| Risk-weighted assets | 739,823,000 | 736,738,000 | 770,113,000 | 766,057,000 |