Call reports 2013
BANK OF UTICA — 2013
What BANK OF UTICA reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 918,741,000 | 912,120,000 | 928,281,000 | 951,530,000 |
| Total loans | 47,533,000 | 48,140,000 | 49,162,000 | 52,818,000 |
| Allowance for loan losses | 1,285,000 | 1,357,000 | 1,062,000 | 2,950,000 |
| Securities available for sale | 75,407,000 | 74,034,000 | 74,060,000 | 79,625,000 |
| Securities held to maturity | 763,973,000 | 774,403,000 | 788,904,000 | 804,068,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 725,249,000 | 726,864,000 | 750,557,000 | 757,361,000 |
| Interest-bearing deposits | 691,209,000 | 698,695,000 | 715,346,000 | 726,091,000 |
| Noninterest-bearing deposits | 34,040,000 | 28,169,000 | 35,211,000 | 31,270,000 |
| Equity capital | 153,256,000 | 155,440,000 | 158,859,000 | 166,912,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 7,109,000 | 14,170,000 | 21,174,000 | 28,178,000 |
| Interest expense | 1,732,000 | 3,409,000 | 5,131,000 | 6,920,000 |
| Net interest income | 5,377,000 | 10,761,000 | 16,043,000 | 21,258,000 |
| Noninterest income | 111,000 | 201,000 | 405,000 | 2,617,000 |
| Noninterest expense | 1,565,000 | 3,058,000 | 4,913,000 | 6,747,000 |
| Provision for loan losses | 0 | 0 | 0 | 2,116,000 |
| Pretax income | 5,107,000 | 9,799,000 | 14,310,000 | 19,905,000 |
| Income tax | 1,705,000 | 3,243,000 | 5,248,000 | 4,822,000 |
| Net income | 3,402,000 | 6,556,000 | 9,062,000 | 15,083,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 133,777,000 | 135,613,000 | 138,130,000 | 142,742,000 |
| Total capital | 149,294,000 | 151,473,000 | 154,364,000 | 163,420,000 |
| Risk-weighted assets | 776,541,000 | 770,527,000 | 787,366,000 | 805,715,000 |