Bank of Utica
Bank of Utica, together with its subsidiary, provides commercial banking products and services in Utica, New York. The company offers various deposit accounts, including personal checking, business checking, savings, money market, retirement, and health savings accounts; and certificates of deposit. It also provides loans, such as business lines of credit, commercial mortgages, long-term loans, s… Read more
Bank of Utica (BKUT) - Total Assets
Latest total assets as of December 2008: $836.03 Million USD
Based on the latest financial reports, Bank of Utica (BKUT) holds total assets worth $836.03 Million USD as of December 2008.
Total assets represent everything the company owns and controls, combining both current assets—like cash and cash equivalents, accounts receivable, and inventories—and non-current assets such as property, plant, equipment (PP&E), intangible assets, and long-term investments.
Bank of Utica - Total Assets Trend (2002–2024)
This chart illustrates how Bank of Utica’s total assets have evolved over time, based on quarterly financial data. Explore and compare other companies by total assets.
Bank of Utica - Asset Composition Analysis
Current Asset Composition (December 2024)
Bank of Utica's total assets of $836.03 Million consist of 4.7% current assets and 95.3% non-current assets.
| Asset Category | Amount (USD) | % of Total Assets |
|---|---|---|
| Cash & Equivalents | $0.00 | 3.9% |
| Accounts Receivable | $11.78 Million | 0.9% |
| Inventory | $0.00 | 0.0% |
| Property, Plant & Equipment | $0.00 | 0.0% |
| Intangible Assets | $0.00 | 0.0% |
| Goodwill | $0.00 | 0.0% |
Asset Composition Trend (2002–2024)
This chart illustrates how Bank of Utica's asset composition has evolved over time. Understanding changes in asset allocation can provide insights into the company's strategic shifts, capital allocation priorities, and business focus evolution.
Key Asset Composition Facts
- Current vs. Non-Current Assets: Bank of Utica's current assets represent 4.7% of total assets in 2024, an increase from 4.2% in 2002.
- Cash Position: Cash and equivalents constituted 3.9% of total assets in 2024, up from 3.1% in 2002.
- Tangible vs. Intangible: Intangible assets (including goodwill) make up 0.0% of total assets, unchanged from 0.0% in 2002.
- Asset Diversification: The largest asset category is accounts receivable at 0.9% of total assets.
Bank of Utica Competitors by Total Assets
Key competitors of Bank of Utica based on total assets are shown below.
| Company | Country | Total Assets |
|---|---|---|
|
Ping An Bank Co Ltd
SHE:000001
|
China | CN¥5.77 Trillion |
|
Bank of Ningbo Co Ltd
SHE:002142
|
China | CN¥3.58 Trillion |
|
Bank of Zhengzhou Co Ltd Class A
SHE:002936
|
China | CN¥743.55 Billion |
|
Qingdao Rural Commercial Bank Corp Class A
SHE:002958
|
China | CN¥509.92 Billion |
|
Bank of Suzhou
SHE:002966
|
China | CN¥776.04 Billion |
|
Jeju Bank
KO:006220
|
Korea | ₩7.72 Trillion |
|
Industrial Bank Of Korea
KO:024110
|
Korea | ₩490.11 Trillion |
|
Hana Financial
KO:086790
|
Korea | ₩659.08 Trillion |
Bank of Utica - Asset Efficiency Metrics
Asset efficiency metrics measure how effectively a company uses its assets to generate revenue and profits. These indicators help investors evaluate management's ability to deploy capital efficiently.
Asset Turnover Ratio
Measures how efficiently a company uses its assets to generate sales
Lower asset utilization - Bank of Utica generates 0.02x its asset value in annual revenue.
Return on Assets (ROA)
Measures how efficiently a company uses its assets to generate profits
Moderate ROA - For every $100 in assets, Bank of Utica generates $ 1.44 in net profit.
Bank of Utica - Liquidity and Working Capital Analysis
Liquidity ratios measure a company's ability to pay off its short-term debts as they come due, using the company's current or quick assets. Working capital represents the operational liquidity available.
Key Liquidity Metrics
| Metric | Current | 1 Year Ago | 5 Years Ago |
|---|---|---|---|
| Current Ratio | 0.09 | 0.09 | 0.04 |
| Quick Ratio | 0.09 | 0.09 | 0.04 |
| Cash Ratio | 0.00 | 0.00 | 0.00 |
| Working Capital | $-675.65 Million | $ -607.99 Million | $ -851.16 Million |
Bank of Utica - Advanced Valuation Insights
This section examines the relationship between Bank of Utica's asset base and its market valuation, helping to identify whether the company's assets are efficiently translated into market value.
Key Valuation Metrics
| Current Price-to-Book Ratio | 0.39 |
| Latest Market Cap to Assets Ratio | 0.00 |
| Asset Growth Rate (YoY) | 7.3% |
| Total Assets | $1.39 Billion |
| Market Capitalization | $4.65 Million USD |
Valuation Analysis
Below Book Valuation: The market values Bank of Utica's assets below their book value (0.00 x), which may indicate investor concerns about asset quality or future growth.
Positive Asset Growth: Bank of Utica's assets grew by 7.3% over the past year, showing continued investment in the company's operational capacity.
Annual Total Assets for Bank of Utica (2002–2024)
The table below shows the annual total assets of Bank of Utica from 2002 to 2024.
| Year | Total Assets | Change |
|---|---|---|
| 2024-12-31 | $1.39 Billion | +7.26% |
| 2023-12-31 | $1.29 Billion | -8.90% |
| 2022-12-31 | $1.42 Billion | -6.81% |
| 2021-12-31 | $1.53 Billion | +13.38% |
| 2020-12-31 | $1.35 Billion | +17.57% |
| 2019-12-31 | $1.14 Billion | +36.88% |
| 2008-12-31 | $836.03 Million | +8.13% |
| 2007-12-31 | $773.14 Million | +5.08% |
| 2006-12-31 | $735.75 Million | -7.71% |
| 2005-12-31 | $797.23 Million | -16.83% |
| 2004-12-31 | $958.60 Million | +0.79% |
| 2003-12-31 | $951.10 Million | +15.40% |
| 2002-12-31 | $824.14 Million | -- |