Call reports 2014
UPSTATE NATIONAL BANK, THE — 2014
What UPSTATE NATIONAL BANK, THE reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 87,647,000 | 93,356,000 | 92,254,000 | 93,630,000 |
| Total loans | 60,039,000 | 65,929,000 | 65,043,000 | 65,756,000 |
| Allowance for loan losses | 1,181,000 | 1,184,000 | 1,183,000 | 1,186,000 |
| Securities available for sale | 21,963,000 | 21,722,000 | 21,962,000 | 21,661,000 |
| Securities held to maturity | 10,000 | 10,000 | 10,000 | 10,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 75,829,000 | 79,220,000 | 76,402,000 | 76,685,000 |
| Interest-bearing deposits | 64,676,000 | 67,859,000 | 65,274,000 | 63,241,000 |
| Noninterest-bearing deposits | 11,153,000 | 11,361,000 | 11,128,000 | 13,444,000 |
| Equity capital | 10,675,000 | 11,025,000 | 11,364,000 | 11,654,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 818,000 | 1,655,000 | 2,627,000 | 3,502,000 |
| Interest expense | 108,000 | 223,000 | 339,000 | 456,000 |
| Net interest income | 710,000 | 1,432,000 | 2,288,000 | 3,046,000 |
| Noninterest income | 22,000 | 42,000 | 61,000 | 80,000 |
| Noninterest expense | 657,000 | 1,272,000 | 1,845,000 | 2,495,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 75,000 | 202,000 | 504,000 | 631,000 |
| Income tax | 1,000 | 5,000 | 8,000 | 10,000 |
| Net income | 74,000 | 197,000 | 496,000 | 621,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,589,000 | 11,711,000 | 12,010,000 | 12,135,000 |
| Total capital | 12,307,000 | 12,492,000 | 12,784,000 | 12,921,000 |
| Risk-weighted assets | 56,995,000 | 62,374,000 | 61,565,000 | 62,518,000 |
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