Call reports 2019
UPPER PENINSULA STATE BANK — 2019
What UPPER PENINSULA STATE BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 202,868,000 | 203,699,000 | 201,096,000 | 218,563,000 |
| Total loans | 136,311,000 | 140,816,000 | 144,349,000 | 150,288,000 |
| Allowance for loan losses | 2,172,000 | 2,181,000 | 2,198,000 | 2,315,000 |
| Securities available for sale | 43,448,000 | 42,339,000 | 42,192,000 | 36,125,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 165,145,000 | 164,712,000 | 160,821,000 | 173,161,000 |
| Interest-bearing deposits | 148,164,000 | 145,842,000 | 141,080,000 | 153,774,000 |
| Noninterest-bearing deposits | 16,981,000 | 18,870,000 | 19,741,000 | 19,387,000 |
| Equity capital | 32,758,000 | 33,828,000 | 34,765,000 | 33,997,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 2,155,000 | 4,391,000 | 6,668,000 | 8,899,000 |
| Interest expense | 294,000 | 587,000 | 879,000 | 1,194,000 |
| Net interest income | 1,861,000 | 3,804,000 | 5,789,000 | 7,705,000 |
| Noninterest income | 230,000 | 602,000 | 989,000 | 1,339,000 |
| Noninterest expense | 1,314,000 | 2,698,000 | 3,975,000 | 5,417,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 160,000 |
| Pretax income | 763,000 | 1,679,000 | 2,759,000 | 3,841,000 |
| Income tax | 134,000 | 302,000 | 505,000 | 692,000 |
| Net income | 629,000 | 1,377,000 | 2,254,000 | 3,149,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,778,000 | 35,442,000 | 36,143,000 | 35,889,000 |
| Total capital | 36,649,000 | 37,356,000 | 38,099,000 | 37,905,000 |
| Risk-weighted assets | 149,382,000 | 152,903,000 | 156,288,000 | 161,055,000 |
Machine access — free, no API key
Every figure shown here about UPPER PENINSULA STATE BANK — 2019 can also be queried live: FACTANKER runs an MCP server at https://factanker.com/mcp (tools: lookup_entity, get_facts, query_template, search_facts) and a REST endpoint at https://factanker.com/api/get_facts. Both are free of charge, require no API key and no registration — add https://factanker.com/mcp as a connector in Claude, ChatGPT or Copilot. Every answer carries its source document and a citation reference. Setup: /quickstart.