Call reports 2006
UPSTATE NATIONAL BANK, THE — 2006
What UPSTATE NATIONAL BANK, THE reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 102,793,000 | 103,836,000 | 110,068,000 | 103,901,000 |
| Total loans | 62,917,000 | 65,244,000 | 67,021,000 | 66,767,000 |
| Allowance for loan losses | 928,000 | 882,000 | 885,000 | 885,000 |
| Securities available for sale | 29,507,000 | 30,190,000 | 29,729,000 | 28,833,000 |
| Securities held to maturity | 338,000 | 320,000 | 306,000 | 326,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 86,623,000 | 87,361,000 | 92,152,000 | 87,095,000 |
| Interest-bearing deposits | 72,205,000 | 70,943,000 | 76,759,000 | 71,820,000 |
| Noninterest-bearing deposits | 14,418,000 | 16,418,000 | 15,393,000 | 15,275,000 |
| Equity capital | 10,375,000 | 10,208,000 | 10,589,000 | 10,596,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,488,000 | 3,041,000 | 4,652,000 | 6,322,000 |
| Interest expense | 620,000 | 1,274,000 | 2,003,000 | 2,795,000 |
| Net interest income | 868,000 | 1,767,000 | 2,649,000 | 3,527,000 |
| Noninterest income | 43,000 | 92,000 | 122,000 | 158,000 |
| Noninterest expense | 877,000 | 1,787,000 | 2,658,000 | 3,557,000 |
| Provision for loan losses | 0 | -9,000 | -9,000 | -17,000 |
| Pretax income | 34,000 | 81,000 | 110,000 | 133,000 |
| Income tax | 3,000 | 6,000 | 8,000 | 11,000 |
| Net income | 31,000 | 75,000 | 102,000 | 122,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,675,000 | 9,725,000 | 9,663,000 | 9,562,000 |
| Total capital | 10,537,000 | 10,627,000 | 10,590,000 | 10,481,000 |
| Risk-weighted assets | 68,886,000 | 72,143,000 | 74,145,000 | 73,465,000 |
Machine access — free, no API key
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