Call reports 2020
BANK OF UTICA — 2020
What BANK OF UTICA reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 1,156,177,000 | 1,272,865,000 | 1,297,520,000 | 1,345,414,000 |
| Total loans | 101,420,000 | 126,339,000 | 125,035,000 | 121,719,000 |
| Allowance for loan losses | 1,174,000 | 1,646,000 | 1,650,000 | 1,654,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 917,804,000 | 969,955,000 | 996,826,000 | 1,038,169,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 914,849,000 | 1,018,092,000 | 1,034,269,000 | 1,063,378,000 |
| Interest-bearing deposits | 858,195,000 | 940,895,000 | 962,498,000 | 991,472,000 |
| Noninterest-bearing deposits | 56,654,000 | 77,197,000 | 71,771,000 | 71,906,000 |
| Equity capital | 230,457,000 | 239,709,000 | 248,055,000 | 261,608,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 8,479,000 | 18,491,000 | 28,096,000 | 38,052,000 |
| Interest expense | 3,923,000 | 7,563,000 | 11,172,000 | 14,728,000 |
| Net interest income | 4,556,000 | 10,928,000 | 16,924,000 | 23,324,000 |
| Noninterest income | 92,000 | 217,000 | 328,000 | 259,000 |
| Noninterest expense | 1,987,000 | 4,028,000 | 6,239,000 | 9,349,000 |
| Provision for loan losses | 0 | 482,000 | 482,000 | 482,000 |
| Pretax income | -14,305,000 | -202,000 | 10,257,000 | 29,817,000 |
| Income tax | -3,338,000 | -424,000 | 1,689,000 | 5,633,000 |
| Net income | -10,967,000 | 222,000 | 8,568,000 | 24,184,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 230,457,000 | 239,709,000 | 248,055,000 | 261,608,000 |