Call reports 2019
BANK OF UTICA — 2019
What BANK OF UTICA reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 1,110,340,000 | 1,139,932,000 | 1,135,120,000 | 1,144,384,000 |
| Total loans | 73,537,000 | 74,897,000 | 77,482,000 | 89,561,000 |
| Allowance for loan losses | 1,806,000 | 1,311,000 | 1,307,000 | 1,290,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 868,251,000 | 933,252,000 | 934,472,000 | 920,575,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 866,013,000 | 891,532,000 | 885,814,000 | 885,922,000 |
| Interest-bearing deposits | 823,225,000 | 847,952,000 | 832,968,000 | 840,534,000 |
| Noninterest-bearing deposits | 42,788,000 | 43,580,000 | 52,846,000 | 45,388,000 |
| Equity capital | 231,755,000 | 233,165,000 | 235,649,000 | 241,424,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 7,714,000 | 15,846,000 | 24,458,000 | 33,070,000 |
| Interest expense | 3,269,000 | 7,044,000 | 11,028,000 | 14,963,000 |
| Net interest income | 4,445,000 | 8,802,000 | 13,430,000 | 18,107,000 |
| Noninterest income | 193,000 | 339,000 | 470,000 | 537,000 |
| Noninterest expense | 3,056,000 | 4,988,000 | 6,962,000 | 8,723,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 9,488,000 | 13,481,000 | 16,435,000 | 26,114,000 |
| Income tax | 1,707,000 | 2,414,000 | 2,884,000 | 4,851,000 |
| Net income | 7,781,000 | 11,067,000 | 13,551,000 | 21,263,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 231,755,000 | 233,165,000 | 235,649,000 | 241,424,000 |
| Total capital | 233,561,000 | 234,476,000 | 236,956,000 | 242,714,000 |
| Risk-weighted assets | 1,097,795,000 | 1,180,038,000 | 1,184,825,000 | 1,207,004,000 |