Call reports 2010
UPSTATE NATIONAL BANK, THE — 2010
What UPSTATE NATIONAL BANK, THE reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 85,918,000 | 85,170,000 | 81,324,000 | 79,649,000 |
| Total loans | 58,566,000 | 54,403,000 | 53,365,000 | 53,122,000 |
| Allowance for loan losses | 1,167,000 | 1,074,000 | 1,111,000 | 1,156,000 |
| Securities available for sale | 13,807,000 | 10,102,000 | 8,661,000 | 9,824,000 |
| Securities held to maturity | 198,000 | 198,000 | 207,000 | 304,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 76,619,000 | 76,019,000 | 73,155,000 | 67,805,000 |
| Interest-bearing deposits | 55,902,000 | 54,137,000 | 51,675,000 | 48,006,000 |
| Noninterest-bearing deposits | 20,717,000 | 21,882,000 | 21,480,000 | 19,799,000 |
| Equity capital | 7,449,000 | 7,520,000 | 7,324,000 | 11,192,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 968,000 | 1,883,000 | 2,769,000 | 3,634,000 |
| Interest expense | 228,000 | 404,000 | 555,000 | 682,000 |
| Net interest income | 740,000 | 1,479,000 | 2,214,000 | 2,952,000 |
| Noninterest income | 21,000 | 65,000 | 126,000 | 172,000 |
| Noninterest expense | 997,000 | 1,872,000 | 2,821,000 | 3,688,000 |
| Provision for loan losses | 112,000 | 543,000 | 560,000 | 560,000 |
| Pretax income | -348,000 | -871,000 | -1,041,000 | -1,124,000 |
| Income tax | 2,000 | 4,000 | 7,000 | 9,000 |
| Net income | -350,000 | -875,000 | -1,048,000 | -1,133,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,648,000 | 7,624,000 | 7,451,000 | 11,365,000 |
| Total capital | 8,402,000 | 8,313,000 | 8,124,000 | 12,031,000 |
| Risk-weighted assets | 59,858,000 | 54,720,000 | 53,358,000 | 52,741,000 |