Call reports 2012
BANK OF UTICA — 2012
What BANK OF UTICA reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 873,975,000 | 878,605,000 | 887,770,000 | 905,483,000 |
| Total loans | 53,794,000 | 51,812,000 | 50,913,000 | 50,184,000 |
| Allowance for loan losses | 1,660,000 | 1,798,000 | 1,793,000 | 1,815,000 |
| Securities available for sale | 66,757,000 | 65,664,000 | 69,115,000 | 69,007,000 |
| Securities held to maturity | 731,356,000 | 736,018,000 | 746,148,000 | 764,466,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 727,155,000 | 730,964,000 | 733,817,000 | 725,365,000 |
| Interest-bearing deposits | 694,891,000 | 702,378,000 | 700,816,000 | 695,672,000 |
| Noninterest-bearing deposits | 32,264,000 | 28,586,000 | 33,001,000 | 29,693,000 |
| Equity capital | 135,319,000 | 136,288,000 | 141,905,000 | 144,962,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 7,907,000 | 15,671,000 | 23,361,000 | 31,006,000 |
| Interest expense | 2,124,000 | 4,159,000 | 6,153,000 | 8,069,000 |
| Net interest income | 5,783,000 | 11,512,000 | 17,208,000 | 22,937,000 |
| Noninterest income | 169,000 | 282,000 | 378,000 | 1,651,000 |
| Noninterest expense | 1,514,000 | 3,012,000 | 4,502,000 | 6,158,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 4,398,000 | 9,203,000 | 14,142,000 | 22,379,000 |
| Income tax | 1,385,000 | 2,931,000 | 4,539,000 | 6,853,000 |
| Net income | 3,013,000 | 6,272,000 | 9,603,000 | 15,526,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 120,498,000 | 122,352,000 | 125,785,000 | 130,212,000 |
| Total capital | 133,035,000 | 134,236,000 | 139,342,000 | 142,670,000 |
| Risk-weighted assets | 732,951,000 | 730,509,000 | 756,183,000 | 765,189,000 |