Call reports 2014
BANK OF UTICA — 2014
What BANK OF UTICA reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 967,443,000 | 984,902,000 | 1,002,329,000 | 981,131,000 |
| Total loans | 52,159,000 | 56,829,000 | 59,098,000 | 65,576,000 |
| Allowance for loan losses | 2,954,000 | 2,949,000 | 2,971,000 | 2,970,000 |
| Securities available for sale | 79,728,000 | 83,261,000 | 83,295,000 | 84,855,000 |
| Securities held to maturity | 820,595,000 | 827,367,000 | 845,100,000 | 814,708,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 774,668,000 | 793,935,000 | 789,508,000 | 779,300,000 |
| Interest-bearing deposits | 742,898,000 | 762,549,000 | 754,175,000 | 742,416,000 |
| Noninterest-bearing deposits | 31,770,000 | 31,386,000 | 35,333,000 | 36,885,000 |
| Equity capital | 169,473,000 | 172,590,000 | 175,140,000 | 180,219,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 6,685,000 | 13,352,000 | 19,996,000 | 26,465,000 |
| Interest expense | 1,806,000 | 3,685,000 | 5,452,000 | 7,182,000 |
| Net interest income | 4,879,000 | 9,667,000 | 14,544,000 | 19,283,000 |
| Noninterest income | 111,000 | 189,000 | 295,000 | 383,000 |
| Noninterest expense | 1,758,000 | 3,313,000 | 4,822,000 | 6,919,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 3,185,000 | 6,529,000 | 10,130,000 | 14,564,000 |
| Income tax | 939,000 | 1,881,000 | 2,953,000 | 2,443,000 |
| Net income | 2,246,000 | 4,648,000 | 7,177,000 | 12,121,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 144,983,000 | 145,937,000 | 148,475,000 | 151,878,000 |
| Total capital | 165,896,000 | 168,435,000 | 171,010,000 | 175,447,000 |
| Risk-weighted assets | 825,097,000 | 848,945,000 | 866,885,000 | 842,604,000 |