Call reports 2015
BANK OF UTICA — 2015
What BANK OF UTICA reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 989,485,000 | 997,187,000 | 1,018,767,000 | 1,003,997,000 |
| Total loans | 67,404,000 | 69,849,000 | 59,077,000 | 57,993,000 |
| Allowance for loan losses | 2,986,000 | 2,974,000 | 2,977,000 | 2,972,000 |
| Securities available for sale | 84,947,000 | 83,693,000 | 77,204,000 | 83,060,000 |
| Securities held to maturity | 819,112,000 | 821,016,000 | 856,482,000 | 829,374,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 790,896,000 | 798,012,000 | 824,797,000 | 801,422,000 |
| Interest-bearing deposits | 756,064,000 | 763,312,000 | 785,565,000 | 765,169,000 |
| Noninterest-bearing deposits | 34,832,000 | 34,700,000 | 39,232,000 | 36,253,000 |
| Equity capital | 182,305,000 | 182,251,000 | 180,480,000 | 185,681,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 6,252,000 | 12,551,000 | 18,970,000 | 25,459,000 |
| Interest expense | 1,680,000 | 3,420,000 | 5,220,000 | 7,052,000 |
| Net interest income | 4,572,000 | 9,131,000 | 13,750,000 | 18,407,000 |
| Noninterest income | 105,000 | 197,000 | 275,000 | 386,000 |
| Noninterest expense | 1,500,000 | 3,093,000 | 4,612,000 | 6,359,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 3,259,000 | 6,441,000 | 9,904,000 | 13,498,000 |
| Income tax | 922,000 | 1,816,000 | 2,817,000 | 3,467,000 |
| Net income | 2,337,000 | 4,625,000 | 7,087,000 | 10,031,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 152,733,000 | 153,604,000 | 156,247,000 | 157,513,000 |
| Total capital | 176,145,000 | 176,440,000 | 176,166,000 | 180,088,000 |
| Risk-weighted assets | 938,324,000 | 936,686,000 | 952,224,000 | 925,873,000 |