Call reports 2009
UPSTATE NATIONAL BANK, THE — 2009
What UPSTATE NATIONAL BANK, THE reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 94,837,000 | 97,089,000 | 92,665,000 | 92,218,000 |
| Total loans | 69,519,000 | 69,688,000 | 66,589,000 | 62,605,000 |
| Allowance for loan losses | 824,000 | 843,000 | 836,000 | 1,049,000 |
| Securities available for sale | 14,836,000 | 11,839,000 | 16,492,000 | 14,457,000 |
| Securities held to maturity | 309,000 | 298,000 | 285,000 | 257,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 81,845,000 | 83,487,000 | 80,089,000 | 80,669,000 |
| Interest-bearing deposits | 65,626,000 | 66,880,000 | 64,698,000 | 58,656,000 |
| Noninterest-bearing deposits | 16,219,000 | 16,607,000 | 15,391,000 | 22,013,000 |
| Equity capital | 8,809,000 | 8,509,000 | 8,401,000 | 7,731,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,217,000 | 2,407,000 | 3,603,000 | 4,717,000 |
| Interest expense | 424,000 | 837,000 | 1,199,000 | 1,494,000 |
| Net interest income | 793,000 | 1,570,000 | 2,404,000 | 3,223,000 |
| Noninterest income | 23,000 | 55,000 | 95,000 | -31,000 |
| Noninterest expense | 934,000 | 1,944,000 | 2,912,000 | 3,991,000 |
| Provision for loan losses | 0 | 0 | 110,000 | 315,000 |
| Pretax income | -118,000 | -240,000 | -421,000 | -1,008,000 |
| Income tax | 2,000 | 4,000 | 7,000 | 9,000 |
| Net income | -120,000 | -244,000 | -428,000 | -1,017,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,896,000 | 8,772,000 | 8,589,000 | 7,999,000 |
| Total capital | 9,772,000 | 9,652,000 | 9,462,000 | 8,803,000 |
| Risk-weighted assets | 70,009,000 | 70,416,000 | 69,818,000 | 64,016,000 |
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