Call reports 2008
UPSTATE NATIONAL BANK, THE — 2008
What UPSTATE NATIONAL BANK, THE reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 105,136,000 | 98,762,000 | 101,699,000 | 96,427,000 |
| Total loans | 65,483,000 | 69,447,000 | 69,085,000 | 66,749,000 |
| Allowance for loan losses | 874,000 | 950,000 | 964,000 | 841,000 |
| Securities available for sale | 18,846,000 | 22,086,000 | 20,869,000 | 20,246,000 |
| Securities held to maturity | 255,000 | 237,000 | 226,000 | 186,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 85,237,000 | 82,681,000 | 83,549,000 | 80,344,000 |
| Interest-bearing deposits | 69,253,000 | 63,729,000 | 66,367,000 | 65,552,000 |
| Noninterest-bearing deposits | 15,984,000 | 18,952,000 | 17,182,000 | 14,792,000 |
| Equity capital | 10,619,000 | 10,367,000 | 10,317,000 | 8,913,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,485,000 | 2,887,000 | 4,273,000 | 5,605,000 |
| Interest expense | 705,000 | 1,307,000 | 1,846,000 | 2,386,000 |
| Net interest income | 780,000 | 1,580,000 | 2,427,000 | 3,219,000 |
| Noninterest income | 22,000 | 218,000 | 265,000 | 309,000 |
| Noninterest expense | 835,000 | 1,742,000 | 2,713,000 | 3,945,000 |
| Provision for loan losses | 0 | 70,000 | 75,000 | 75,000 |
| Pretax income | -33,000 | -14,000 | -96,000 | -492,000 |
| Income tax | 2,000 | 5,000 | 8,000 | 1,180,000 |
| Net income | -35,000 | -19,000 | -104,000 | -1,672,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,343,000 | 9,359,000 | 9,270,000 | 9,016,000 |
| Total capital | 10,228,000 | 10,279,000 | 10,188,000 | 9,875,000 |
| Risk-weighted assets | 70,719,000 | 73,462,000 | 73,321,000 | 68,644,000 |
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