Call reports 2001
SAVINGS BANK OF UTICA, THE — 2001
What SAVINGS BANK OF UTICA, THE reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 1,004,156,000 | 992,917,000 | 987,306,000 | 984,953,000 |
| Total loans | 606,591,000 | 614,255,000 | 605,168,000 | 604,437,000 |
| Allowance for loan losses | 7,217,000 | 7,500,000 | 7,481,000 | 7,934,000 |
| Securities available for sale | 312,504,000 | 309,220,000 | 298,410,000 | 296,302,000 |
| Securities held to maturity | 1,238,000 | 1,203,000 | 1,484,000 | 1,276,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 639,190,000 | 630,628,000 | 618,197,000 | 618,519,000 |
| Interest-bearing deposits | 598,171,000 | 586,257,000 | 576,927,000 | 574,216,000 |
| Noninterest-bearing deposits | 41,019,000 | 44,371,000 | 41,270,000 | 44,303,000 |
| Equity capital | 94,860,000 | 97,160,000 | 99,154,000 | 100,148,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 18,013,000 | 35,232,000 | 52,270,000 | 68,498,000 |
| Interest expense | 10,880,000 | 20,941,000 | 30,419,000 | 38,832,000 |
| Net interest income | 7,133,000 | 14,291,000 | 21,851,000 | 29,666,000 |
| Noninterest income | 1,513,000 | 3,644,000 | 5,648,000 | 7,212,000 |
| Noninterest expense | 6,348,000 | 12,435,000 | 19,621,000 | 26,236,000 |
| Provision for loan losses | 300,000 | 643,000 | 1,293,000 | 1,672,000 |
| Pretax income | 1,998,000 | 4,857,000 | 6,585,000 | 8,970,000 |
| Income tax | 591,000 | 1,248,000 | 1,764,000 | 2,329,000 |
| Net income | 1,407,000 | 3,609,000 | 4,821,000 | 6,641,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 91,113,000 | 93,318,000 | 94,527,000 | 96,205,000 |
| Total capital | 97,655,000 | 99,974,000 | 100,967,000 | 102,531,000 |
| Risk-weighted assets | 522,682,000 | 528,359,000 | 513,943,000 | 504,442,000 |