Call reports 2005
UPSTATE NATIONAL BANK, THE — 2005
What UPSTATE NATIONAL BANK, THE reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 93,292,000 | 97,937,000 | 97,685,000 | 98,906,000 |
| Total loans | 57,703,000 | 56,813,000 | 57,977,000 | 60,674,000 |
| Allowance for loan losses | 931,000 | 922,000 | 924,000 | 923,000 |
| Securities available for sale | 26,021,000 | 27,623,000 | 28,448,000 | 29,076,000 |
| Securities held to maturity | 307,000 | 289,000 | 277,000 | 338,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 78,643,000 | 81,827,000 | 83,667,000 | 82,857,000 |
| Interest-bearing deposits | 67,167,000 | 69,216,000 | 67,024,000 | 67,639,000 |
| Noninterest-bearing deposits | 11,476,000 | 12,611,000 | 16,643,000 | 15,218,000 |
| Equity capital | 10,253,000 | 10,692,000 | 10,582,000 | 10,390,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,274,000 | 2,603,000 | 3,989,000 | 5,457,000 |
| Interest expense | 400,000 | 841,000 | 1,320,000 | 1,853,000 |
| Net interest income | 874,000 | 1,762,000 | 2,669,000 | 3,604,000 |
| Noninterest income | 14,000 | 37,000 | 59,000 | 89,000 |
| Noninterest expense | 884,000 | 1,751,000 | 2,671,000 | 3,581,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 4,000 | 48,000 | 57,000 | 112,000 |
| Income tax | 2,000 | 4,000 | 6,000 | 9,000 |
| Net income | 2,000 | 44,000 | 51,000 | 103,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,527,000 | 9,467,000 | 9,474,000 | 9,616,000 |
| Total capital | 10,300,000 | 10,243,000 | 10,275,000 | 10,457,000 |
| Risk-weighted assets | 61,645,000 | 61,953,000 | 63,959,000 | 67,256,000 |
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