| Weiss Ratings |
Bank of Utica
Utica, NY |
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| Rating | ||||
| Asset Quality Index | 9.90 | |||
| Capitalization Index | 10.00 | |||
| Liquidity Index | 1.70 | |||
| Profitability Index | 9.50 | |||
| Stability Index | 5.00 | |||
| Company Info |
Bank of Utica
Utica, NY |
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| FDIC Number | 13397 | |||
| Phone Number | (315) 797-2700 | |||
| Website | www.bankofutica.com | |||
| Asset Quality |
Bank of Utica
Utica, NY |
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| 1-Year Asset Growth | 6.68% | |||
| 5-Year Asset Growth | 0.89% | |||
| 5-Year Charge-Offs to Average Loans | 0.17% | |||
| Charge-Offs to Average Loans | 0.01% | |||
| Non-Performing Assets to Assets | 0.06% | |||
| Non-Performing Loans to Capital | 0.23% | |||
| Non-Performing Loans to Loans | 0.59% | |||
| Balance Sheet |
Bank of Utica
Utica, NY |
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| Total Assets | 1.51B | |||
| Total Deposits | 1.07B | |||
| Capital and Reserves |
Bank of Utica
Utica, NY |
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| Capital | 391.60M | |||
| Leverage Ratio | 26.49 | |||
| Loan Loss Reserves to Loans | 0.83% | |||
| Risk-Based Capital Ratio | -- | |||
| Liquidity |
Bank of Utica
Utica, NY |
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| Hot Money Ratio | 31.54% | |||
| Liquidity Ratio | 83.71% | |||
| Profitability |
Bank of Utica
Utica, NY |
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| 5-Year Return on Average Assets | 1.73% | |||
| Net Income | 34.91M | |||
| Net Interest Spread | 2.02% | |||
| Operating Profit to Average Assets | 6.02% | |||
| Overhead Efficiency Ratio | 35.02% | |||
| Return on Assets | 4.79% | |||
| Return on Equity | 18.73% | |||