Call reports 2016
BANK OF UTICA — 2016
What BANK OF UTICA reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 1,008,303,000 | 1,006,679,000 | 1,035,871,000 | 1,066,042,000 |
| Total loans | 57,310,000 | 58,250,000 | 65,564,000 | 66,000,000 |
| Allowance for loan losses | 3,009,000 | 2,967,000 | 2,304,000 | 2,305,000 |
| Securities available for sale | 86,400,000 | 87,398,000 | 87,728,000 | 93,496,000 |
| Securities held to maturity | 840,023,000 | 838,309,000 | 850,385,000 | 857,568,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 801,128,000 | 796,099,000 | 823,908,000 | 844,974,000 |
| Interest-bearing deposits | 766,378,000 | 760,859,000 | 777,442,000 | 801,268,000 |
| Noninterest-bearing deposits | 34,750,000 | 35,240,000 | 46,466,000 | 43,706,000 |
| Equity capital | 190,447,000 | 191,951,000 | 194,925,000 | 200,108,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 6,384,000 | 12,864,000 | 19,484,000 | 26,359,000 |
| Interest expense | 1,848,000 | 3,696,000 | 5,570,000 | 7,468,000 |
| Net interest income | 4,536,000 | 9,168,000 | 13,914,000 | 18,891,000 |
| Noninterest income | 115,000 | 211,000 | 314,000 | 450,000 |
| Noninterest expense | 1,491,000 | 3,015,000 | 4,547,000 | 6,612,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 3,860,000 | 7,135,000 | 10,715,000 | 14,605,000 |
| Income tax | 1,169,000 | 2,101,000 | 2,962,000 | 3,723,000 |
| Net income | 2,691,000 | 5,034,000 | 7,753,000 | 10,882,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 159,736,000 | 160,797,000 | 163,716,000 | 165,176,000 |
| Total capital | 183,779,000 | 185,322,000 | 187,754,000 | 191,812,000 |
| Risk-weighted assets | 943,573,000 | 964,286,000 | 1,019,567,000 | 990,074,000 |