Call reports 2013
UPSTATE NATIONAL BANK, THE — 2013
What UPSTATE NATIONAL BANK, THE reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 78,515,000 | 88,648,000 | 90,467,000 | 88,974,000 |
| Total loans | 48,212,000 | 55,363,000 | 61,681,000 | 61,274,000 |
| Allowance for loan losses | 1,163,000 | 1,167,000 | 1,176,000 | 1,178,000 |
| Securities available for sale | 25,687,000 | 24,087,000 | 22,875,000 | 22,042,000 |
| Securities held to maturity | 10,000 | 10,000 | 10,000 | 10,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 62,772,000 | 69,890,000 | 72,120,000 | 71,490,000 |
| Interest-bearing deposits | 51,156,000 | 57,164,000 | 59,736,000 | 59,238,000 |
| Noninterest-bearing deposits | 11,616,000 | 12,726,000 | 12,384,000 | 12,252,000 |
| Equity capital | 11,088,000 | 10,571,000 | 10,325,000 | 10,259,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 690,000 | 1,531,000 | 2,361,000 | 3,189,000 |
| Interest expense | 87,000 | 181,000 | 287,000 | 395,000 |
| Net interest income | 603,000 | 1,350,000 | 2,074,000 | 2,794,000 |
| Noninterest income | 27,000 | 53,000 | 73,000 | 95,000 |
| Noninterest expense | 641,000 | 1,252,000 | 1,869,000 | 2,580,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 11,000 | 178,000 | 305,000 | 336,000 |
| Income tax | 0 | 9,000 | 10,000 | 10,000 |
| Net income | 11,000 | 169,000 | 295,000 | 326,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,199,000 | 11,356,000 | 11,482,000 | 11,514,000 |
| Total capital | 11,815,000 | 12,044,000 | 12,225,000 | 12,249,000 |
| Risk-weighted assets | 48,752,000 | 54,571,000 | 58,978,000 | 58,356,000 |