Call reports 2018
BANK OF UTICA — 2018
What BANK OF UTICA reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 1,066,725,000 | 1,073,527,000 | 1,063,207,000 | 1,072,677,000 |
| Total loans | 65,347,000 | 65,244,000 | 67,917,000 | 75,658,000 |
| Allowance for loan losses | 1,900,000 | 1,922,000 | 1,591,000 | 1,805,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 847,410,000 | 868,983,000 | 864,966,000 | 861,195,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 832,178,000 | 838,205,000 | 820,820,000 | 835,458,000 |
| Interest-bearing deposits | 785,185,000 | 790,552,000 | 768,447,000 | 788,455,000 |
| Noninterest-bearing deposits | 46,993,000 | 47,653,000 | 52,373,000 | 47,003,000 |
| Equity capital | 220,722,000 | 222,517,000 | 229,761,000 | 223,973,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 6,656,000 | 13,612,000 | 20,758,000 | 28,240,000 |
| Interest expense | 2,107,000 | 4,296,000 | 6,668,000 | 9,412,000 |
| Net interest income | 4,549,000 | 9,316,000 | 14,090,000 | 18,828,000 |
| Noninterest income | 177,000 | 320,000 | 504,000 | 537,000 |
| Noninterest expense | 1,746,000 | 4,624,000 | 6,376,000 | 8,514,000 |
| Provision for loan losses | 0 | 0 | 0 | 210,000 |
| Pretax income | -1,143,000 | 2,960,000 | 12,011,000 | 6,717,000 |
| Income tax | -454,000 | 54,000 | 1,861,000 | 480,000 |
| Net income | -689,000 | 2,906,000 | 10,150,000 | 6,237,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 220,722,000 | 222,517,000 | 229,761,000 | 223,973,000 |
| Total capital | 222,622,000 | 224,439,000 | 231,352,000 | 225,778,000 |
| Risk-weighted assets | 1,110,399,000 | 1,067,176,000 | 1,086,146,000 | 1,070,071,000 |