Call reports 2011
UPSTATE NATIONAL BANK, THE — 2011
What UPSTATE NATIONAL BANK, THE reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 77,340,000 | 77,040,000 | 73,052,000 | 65,064,000 |
| Total loans | 49,399,000 | 46,601,000 | 41,036,000 | 41,579,000 |
| Allowance for loan losses | 1,152,000 | 1,163,000 | 1,168,000 | 1,171,000 |
| Securities available for sale | 8,421,000 | 8,383,000 | 11,967,000 | 9,266,000 |
| Securities held to maturity | 282,000 | 654,000 | 654,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 65,649,000 | 65,357,000 | 61,397,000 | 53,555,000 |
| Interest-bearing deposits | 49,295,000 | 48,976,000 | 44,482,000 | 40,004,000 |
| Noninterest-bearing deposits | 16,354,000 | 16,381,000 | 16,915,000 | 13,551,000 |
| Equity capital | 11,108,000 | 11,098,000 | 11,097,000 | 10,828,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 805,000 | 1,553,000 | 2,348,000 | 3,062,000 |
| Interest expense | 116,000 | 226,000 | 329,000 | 416,000 |
| Net interest income | 689,000 | 1,327,000 | 2,019,000 | 2,646,000 |
| Noninterest income | 32,000 | 63,000 | 99,000 | 129,000 |
| Noninterest expense | 809,000 | 1,562,000 | 2,319,000 | 3,123,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -88,000 | -172,000 | -201,000 | -348,000 |
| Income tax | 0 | 2,000 | 5,000 | 8,000 |
| Net income | -88,000 | -174,000 | -206,000 | -356,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,278,000 | 11,191,000 | 11,160,000 | 11,010,000 |
| Total capital | 11,906,000 | 11,775,000 | 11,679,000 | 11,523,000 |
| Risk-weighted assets | 49,641,000 | 46,098,000 | 40,843,000 | 40,367,000 |