Call reports 2017
UPSTATE NATIONAL BANK, THE — 2017
What UPSTATE NATIONAL BANK, THE reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 120,896,000 | 116,019,000 | 118,897,000 | 120,239,000 |
| Total loans | 84,142,000 | 87,159,000 | 89,986,000 | 92,584,000 |
| Allowance for loan losses | 1,121,000 | 1,126,000 | 1,129,000 | 1,133,000 |
| Securities available for sale | 15,829,000 | 15,640,000 | 15,212,000 | 14,816,000 |
| Securities held to maturity | 10,000 | 10,000 | 10,000 | 10,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 107,083,000 | 101,957,000 | 84,609,000 | 83,341,000 |
| Interest-bearing deposits | 96,382,000 | 91,230,000 | 72,470,000 | 70,438,000 |
| Noninterest-bearing deposits | 10,701,000 | 10,727,000 | 12,139,000 | 12,903,000 |
| Equity capital | 13,547,000 | 13,979,000 | 14,213,000 | 14,304,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 1,110,000 | 2,268,000 | 3,456,000 | 4,788,000 |
| Interest expense | 167,000 | 328,000 | 522,000 | 757,000 |
| Net interest income | 943,000 | 1,940,000 | 2,934,000 | 4,031,000 |
| Noninterest income | 10,000 | 34,000 | 45,000 | 62,000 |
| Noninterest expense | 751,000 | 1,552,000 | 2,377,000 | 3,349,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 206,000 | 426,000 | 606,000 | 748,000 |
| Income tax | -81,000 | -166,000 | -237,000 | -292,000 |
| Net income | 287,000 | 592,000 | 843,000 | 1,040,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,293,000 | 13,518,000 | 13,690,000 | 13,830,000 |
| Total capital | 14,293,000 | 14,528,000 | 14,727,000 | 14,887,000 |
| Risk-weighted assets | 79,809,000 | 80,687,000 | 82,894,000 | 84,384,000 |