Call reports 2015
UPSTATE NATIONAL BANK, THE — 2015
What UPSTATE NATIONAL BANK, THE reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 94,906,000 | 94,480,000 | 98,951,000 | 100,864,000 |
| Total loans | 68,074,000 | 69,319,000 | 73,023,000 | 74,853,000 |
| Allowance for loan losses | 1,194,000 | 1,197,000 | 1,200,000 | 1,203,000 |
| Securities available for sale | 20,536,000 | 19,820,000 | 19,543,000 | 18,839,000 |
| Securities held to maturity | 10,000 | 10,000 | 10,000 | 10,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 76,533,000 | 75,036,000 | 74,541,000 | 77,874,000 |
| Interest-bearing deposits | 64,916,000 | 64,196,000 | 62,554,000 | 66,107,000 |
| Noninterest-bearing deposits | 11,617,000 | 10,840,000 | 11,987,000 | 11,767,000 |
| Equity capital | 12,045,000 | 11,967,000 | 12,435,000 | 12,497,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 866,000 | 1,807,000 | 2,727,000 | 3,680,000 |
| Interest expense | 117,000 | 238,000 | 362,000 | 502,000 |
| Net interest income | 749,000 | 1,569,000 | 2,365,000 | 3,178,000 |
| Noninterest income | 18,000 | 35,000 | 54,000 | 70,000 |
| Noninterest expense | 634,000 | 1,316,000 | 1,972,000 | 2,708,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 133,000 | 288,000 | 447,000 | 540,000 |
| Income tax | -52,000 | -110,000 | -175,000 | -212,000 |
| Net income | 185,000 | 398,000 | 622,000 | 752,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,267,000 | 12,420,000 | 12,578,000 | 12,671,000 |
| Total capital | 13,078,000 | 13,239,000 | 13,433,000 | 13,552,000 |
| Risk-weighted assets | 64,509,000 | 65,155,000 | 67,908,000 | 70,142,000 |