Call reports 2004
UPSTATE NATIONAL BANK, THE — 2004
What UPSTATE NATIONAL BANK, THE reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 110,285,000 | 99,413,000 | 98,270,000 | 93,799,000 |
| Total loans | 59,472,000 | 59,971,000 | 59,272,000 | 58,577,000 |
| Allowance for loan losses | 1,149,000 | 953,000 | 921,000 | 927,000 |
| Securities available for sale | 25,980,000 | 26,888,000 | 27,749,000 | 25,617,000 |
| Securities held to maturity | 1,366,000 | 1,344,000 | 1,328,000 | 307,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 90,780,000 | 87,032,000 | 85,289,000 | 77,810,000 |
| Interest-bearing deposits | 81,339,000 | 73,790,000 | 71,412,000 | 65,489,000 |
| Noninterest-bearing deposits | 9,441,000 | 13,242,000 | 13,877,000 | 12,321,000 |
| Equity capital | 8,119,000 | 9,950,000 | 10,597,000 | 10,646,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,335,000 | 2,659,000 | 4,038,000 | 5,389,000 |
| Interest expense | 461,000 | 902,000 | 1,309,000 | 1,687,000 |
| Net interest income | 874,000 | 1,757,000 | 2,729,000 | 3,702,000 |
| Noninterest income | 37,000 | 68,000 | 60,000 | 83,000 |
| Noninterest expense | 933,000 | 1,785,000 | 2,667,000 | 3,523,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -22,000 | 40,000 | 122,000 | 262,000 |
| Income tax | 1,000 | 3,000 | 6,000 | 8,000 |
| Net income | -23,000 | 37,000 | 116,000 | 254,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,823,000 | 9,388,000 | 9,478,000 | 9,525,000 |
| Total capital | 7,659,000 | 10,208,000 | 10,286,000 | 10,309,000 |
| Risk-weighted assets | 66,321,000 | 65,443,000 | 64,726,000 | 62,547,000 |
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