Call reports 2023
BANK OF UTICA — 2023
What BANK OF UTICA reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 1,379,495,000 | 1,355,693,000 | 1,300,808,000 | 1,294,984,000 |
| Total loans | 102,666,000 | 100,461,000 | 103,820,000 | 107,345,000 |
| Allowance for loan losses | 1,049,000 | 1,054,000 | 1,070,000 | 1,020,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 1,047,162,000 | 991,104,000 | 962,909,000 | 955,640,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,056,911,000 | 1,025,830,000 | 969,964,000 | 952,007,000 |
| Interest-bearing deposits | 982,066,000 | 937,015,000 | 887,405,000 | 886,469,000 |
| Noninterest-bearing deposits | 74,845,000 | 88,815,000 | 82,559,000 | 65,538,000 |
| Equity capital | 302,046,000 | 306,175,000 | 308,916,000 | 316,060,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 9,952,000 | 19,890,000 | 29,839,000 | 39,975,000 |
| Interest expense | 3,581,000 | 7,588,000 | 11,804,000 | 16,377,000 |
| Net interest income | 6,371,000 | 12,302,000 | 18,035,000 | 23,598,000 |
| Noninterest income | 116,000 | 228,000 | 347,000 | 233,000 |
| Noninterest expense | 2,293,000 | 4,466,000 | 6,753,000 | 8,947,000 |
| Provision for loan losses | 0 | 0 | 0 | 165,000 |
| Pretax income | 132,000 | 8,045,000 | 11,316,000 | 23,477,000 |
| Income tax | -156,000 | 1,378,000 | 1,908,000 | 4,612,000 |
| Net income | 288,000 | 6,667,000 | 9,408,000 | 18,865,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 302,046,000 | 306,175,000 | 308,916,000 | 316,060,000 |