Call reports 2025
BANK OF UTICA — 2025
What BANK OF UTICA reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 1,418,618,000 | 1,414,087,000 | 1,432,168,000 | 1,405,373,000 |
| Total loans | 125,268,000 | 128,250,000 | 134,066,000 | 142,319,000 |
| Allowance for loan losses | 1,146,000 | 1,149,000 | 1,093,000 | 1,141,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 1,031,022,000 | 1,019,280,000 | 1,024,370,000 | 1,001,028,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,056,019,000 | 1,042,412,000 | 1,048,029,000 | 1,010,249,000 |
| Interest-bearing deposits | 991,727,000 | 974,702,000 | 966,500,000 | 948,535,000 |
| Noninterest-bearing deposits | 64,292,000 | 67,710,000 | 81,529,000 | 61,714,000 |
| Equity capital | 334,541,000 | 340,209,000 | 352,157,000 | 359,132,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 12,494,000 | 25,801,000 | 39,008,000 | 52,294,000 |
| Interest expense | 6,708,000 | 13,550,000 | 20,372,000 | 27,142,000 |
| Net interest income | 5,786,000 | 12,251,000 | 18,636,000 | 25,152,000 |
| Noninterest income | 157,000 | 304,000 | 457,000 | 341,000 |
| Noninterest expense | 2,421,000 | 4,755,000 | 7,180,000 | 9,364,000 |
| Provision for loan losses | 0 | 0 | 0 | 84,000 |
| Pretax income | 3,775,000 | 13,804,000 | 28,789,000 | 40,475,000 |
| Income tax | 626,000 | 2,612,000 | 5,649,000 | 7,922,000 |
| Net income | 3,149,000 | 11,192,000 | 23,140,000 | 32,553,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 334,541,000 | 340,209,000 | 352,157,000 | 359,132,000 |