Call reports 2022
BANK OF UTICA — 2022
What BANK OF UTICA reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 1,557,989,000 | 1,532,648,000 | 1,468,399,000 | 1,421,424,000 |
| Total loans | 100,631,000 | 107,331,000 | 104,831,000 | 102,630,000 |
| Allowance for loan losses | 1,207,000 | 1,211,000 | 1,214,000 | 1,046,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 1,191,826,000 | 1,200,227,000 | 1,149,070,000 | 1,093,348,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,229,489,000 | 1,219,837,000 | 1,159,718,000 | 1,093,404,000 |
| Interest-bearing deposits | 1,145,537,000 | 1,122,075,000 | 1,058,204,000 | 1,006,509,000 |
| Noninterest-bearing deposits | 83,952,000 | 97,762,000 | 101,514,000 | 86,895,000 |
| Equity capital | 303,800,000 | 290,507,000 | 289,745,000 | 303,047,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 9,936,000 | 20,223,000 | 30,514,000 | 40,829,000 |
| Interest expense | 3,080,000 | 6,079,000 | 9,213,000 | 12,653,000 |
| Net interest income | 6,856,000 | 14,144,000 | 21,301,000 | 28,176,000 |
| Noninterest income | 441,000 | 542,000 | 646,000 | 1,118,000 |
| Noninterest expense | 2,344,000 | 4,678,000 | 6,877,000 | 9,757,000 |
| Provision for loan losses | 0 | 0 | 0 | 127,000 |
| Pretax income | 9,907,000 | -4,565,000 | -5,794,000 | 13,499,000 |
| Income tax | 1,969,000 | -1,397,000 | -1,864,000 | 1,877,000 |
| Net income | 7,938,000 | -3,168,000 | -3,930,000 | 11,622,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 303,800,000 | 290,507,000 | 289,745,000 | 303,047,000 |