Call reports 2018
UPSTATE NATIONAL BANK, THE — 2018
What UPSTATE NATIONAL BANK, THE reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 126,026,000 | 129,093,000 | 139,131,000 | 139,794,000 |
| Total loans | 98,775,000 | 102,287,000 | 108,548,000 | 110,528,000 |
| Allowance for loan losses | 1,167,000 | 1,173,000 | 1,206,000 | 1,209,000 |
| Securities available for sale | 14,231,000 | 14,632,000 | 14,176,000 | 14,212,000 |
| Securities held to maturity | 10,000 | 10,000 | 10,000 | 10,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 87,219,000 | 90,425,000 | 91,416,000 | 100,134,000 |
| Interest-bearing deposits | 73,322,000 | 77,592,000 | 78,276,000 | 87,723,000 |
| Noninterest-bearing deposits | 13,897,000 | 12,833,000 | 13,140,000 | 12,411,000 |
| Equity capital | 14,270,000 | 14,527,000 | 14,766,000 | 15,340,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 1,298,000 | 2,713,000 | 4,242,000 | 5,916,000 |
| Interest expense | 267,000 | 600,000 | 1,029,000 | 1,616,000 |
| Net interest income | 1,031,000 | 2,113,000 | 3,213,000 | 4,300,000 |
| Noninterest income | 14,000 | 31,000 | 42,000 | 54,000 |
| Noninterest expense | 831,000 | 1,674,000 | 2,520,000 | 4,437,000 |
| Provision for loan losses | 30,000 | 30,000 | 60,000 | 60,000 |
| Pretax income | 184,000 | 436,000 | 671,000 | -147,000 |
| Income tax | -44,000 | -100,000 | -190,000 | -1,333,000 |
| Net income | 228,000 | 536,000 | 861,000 | 1,186,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,011,000 | 14,258,000 | 14,488,000 | 13,667,000 |
| Total capital | 15,126,000 | 15,425,000 | 15,694,000 | 14,876,000 |
| Risk-weighted assets | 89,195,000 | 93,394,000 | 98,905,000 | 101,379,000 |