Call reports 2021
BANK OF UTICA — 2021
What BANK OF UTICA reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 1,441,486,000 | 1,475,569,000 | 1,497,293,000 | 1,525,372,000 |
| Total loans | 124,053,000 | 122,970,000 | 122,678,000 | 119,633,000 |
| Allowance for loan losses | 1,656,000 | 1,697,000 | 1,713,000 | 1,200,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 1,065,846,000 | 1,093,121,000 | 1,119,298,000 | 1,174,662,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,141,542,000 | 1,174,258,000 | 1,190,452,000 | 1,203,501,000 |
| Interest-bearing deposits | 1,061,939,000 | 1,076,577,000 | 1,097,718,000 | 1,127,781,000 |
| Noninterest-bearing deposits | 79,603,000 | 97,681,000 | 92,734,000 | 75,720,000 |
| Equity capital | 277,852,000 | 278,552,000 | 284,423,000 | 295,862,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 10,215,000 | 20,531,000 | 30,565,000 | 40,427,000 |
| Interest expense | 3,414,000 | 6,737,000 | 9,990,000 | 13,196,000 |
| Net interest income | 6,801,000 | 13,794,000 | 20,575,000 | 27,231,000 |
| Noninterest income | 113,000 | 218,000 | 329,000 | 226,000 |
| Noninterest expense | 2,066,000 | 4,165,000 | 6,330,000 | 9,269,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 20,568,000 | 23,838,000 | 31,105,000 | 47,953,000 |
| Income tax | 4,324,000 | 4,832,000 | 6,228,000 | 9,449,000 |
| Net income | 16,244,000 | 19,006,000 | 24,877,000 | 38,504,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 277,852,000 | 278,552,000 | 284,423,000 | 295,862,000 |