Bank Of Utica (ny) (Bank Of Utica (ny)) Effective Interest Rate on Debt % : 0.00% (As of Dec. 2008)

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What is Bank Of Utica (ny) Effective Interest Rate on Debt %?

Effective Interest Rate on Debt % is the usage rate that a borrower actually pays on a debt. It is calculated as the positive value of Interest Expense divided by its average total debt. Total debt equals to Long-Term Debt & Capital Lease Obligation plus Short-Term Debt & Capital Lease Obligation. Bank Of Utica (ny)'s annualized positive value of Interest Expense for the quarter that ended in Dec. 2008 was $19.80 Mil. Bank Of Utica (ny)'s average total debt for the quarter that ended in Dec. 2008 was $0.00 Mil. Therefore, Bank Of Utica (ny)'s annualized Effective Interest Rate on Debt % for the quarter that ended in Dec. 2008 was N/A%.

Bank Of Utica (ny) Effective Interest Rate on Debt % Historical Data

The historical data trend for Bank Of Utica (ny)'s Effective Interest Rate on Debt % can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

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Bank Of Utica (ny) Effective Interest Rate on Debt % Chart

Bank Of Utica (ny) Annual Data

Trend

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Effective Interest Rate on Debt %

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Bank Of Utica (ny) Quarterly Data
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Competitive Comparison of Bank Of Utica (ny)'s Effective Interest Rate on Debt %

For the Banks - Regional subindustry, Bank Of Utica (ny)'s Effective Interest Rate on Debt %, along with its competitors' market caps and Effective Interest Rate on Debt % data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

Bank Of Utica (ny)'s Effective Interest Rate on Debt % Distribution in the Banks Industry

For the Banks industry and Financial Services sector, Bank Of Utica (ny)'s Effective Interest Rate on Debt % distribution charts can be found below:

* The bar in red indicates where Bank Of Utica (ny)'s Effective Interest Rate on Debt % falls into.

Bank Of Utica (ny) Effective Interest Rate on Debt % Calculation

Bank Of Utica (ny)'s annualized Effective Interest Rate on Debt % for the fiscal year that ended in Dec. 2008 is calculated as

	Effective Interest Rate on Debt %
=	-1 * Interest Expense	/	( (Total Debt (A: Dec. 2007 )	+	Total Debt (A: Dec. 2008 ))	/ count )
=	-1 * -23.223	/	( (0	+	0)	/ 1 )
=	-1 * -23.223	/	0
=	N/A %

where

	Total Debt (A: Dec. 2007 )
=	Long-Term Debt & Capital Lease Obligation	+	Short-Term Debt & Capital Lease Obligation
=	0	+	0
=	0

	Total Debt (A: Dec. 2008 )
=	Long-Term Debt & Capital Lease Obligation	+	Short-Term Debt & Capital Lease Obligation
=	0	+	0
=	0

Bank Of Utica (ny)'s annualized Effective Interest Rate on Debt % for the quarter that ended in Dec. 2008 is calculated as

	Effective Interest Rate on Debt %
=	-1 * Interest Expense	/	( (Total Debt (Q: Sep. 2008 )	+	Total Debt (Q: Dec. 2008 ))	/ count )
=	-1 * -19.8	/	( (0	+	0)	/ 1 )
=	-1 * -19.8	/	0
=	N/A %

where

	Total Debt (Q: Sep. 2008 )
=	Long-Term Debt & Capital Lease Obligation	+	Short-Term Debt & Capital Lease Obligation
=	0	+	0
=	0

	Total Debt (Q: Dec. 2008 )
=	Long-Term Debt & Capital Lease Obligation	+	Short-Term Debt & Capital Lease Obligation
=	0	+	0
=	0

In the calculation of annual Effective Interest Rate on Debt %, the Interest Expense of the last fiscal year and the average total debt over the fiscal year are used. In calculating the quarterly data, the Interest Expense data used here is four times the quarterly (Dec. 2008) interest expense data. Effective Interest Rate on Debt % is displayed in the 30-year financial page.

Bank Of Utica (ny) (OTCPK:BKUTK) Effective Interest Rate on Debt % Explanation

Effective Interest Rate on Debt % measures the usage rate that a borrower actually pays on a debt.

Bank Of Utica (ny) Effective Interest Rate on Debt % Related Terms

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Bank Of Utica (ny) (Bank Of Utica (ny)) Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Financial Services » Banks » Bank Of Utica (ny) (OTCPK:BKUTK) » Definitions » Effective Interest Rate on Debt %

Comparable Companies

Traded in Other Exchanges

N/A

Address

222 Genesee Street, Utica, NY, USA, 13502

Website

https://www.bankofutica.com

Bank Of Utica (ny) is a full-service commercial bank. It offers a full range of business and personal banking services including deposit accounts, personal loans, electronic banking, business loans and business deposit accounts. In addition, it also invests in securities.