Call reports 2019
UPSTATE NATIONAL BANK, THE — 2019
What UPSTATE NATIONAL BANK, THE reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 137,263,000 | 146,622,000 | 156,763,000 | 164,719,000 |
| Total loans | 111,075,000 | 117,779,000 | 127,155,000 | 137,490,000 |
| Allowance for loan losses | 1,241,000 | 1,272,000 | 1,303,000 | 1,354,000 |
| Securities available for sale | 15,694,000 | 16,003,000 | 15,260,000 | 14,803,000 |
| Securities held to maturity | 10,000 | 10,000 | 10,000 | 10,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 100,517,000 | 102,634,000 | 111,401,000 | 125,111,000 |
| Interest-bearing deposits | 88,540,000 | 90,112,000 | 96,907,000 | 111,819,000 |
| Noninterest-bearing deposits | 11,977,000 | 12,522,000 | 14,494,000 | 13,292,000 |
| Equity capital | 16,069,000 | 16,722,000 | 17,109,000 | 17,366,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 1,669,000 | 3,414,000 | 5,200,000 | 7,083,000 |
| Interest expense | 643,000 | 1,313,000 | 2,031,000 | 2,723,000 |
| Net interest income | 1,026,000 | 2,101,000 | 3,169,000 | 4,360,000 |
| Noninterest income | 11,000 | 20,000 | 34,000 | 43,000 |
| Noninterest expense | 771,000 | 1,577,000 | 2,390,000 | 3,287,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 140,000 |
| Pretax income | -161,000 | 87,000 | 326,000 | 576,000 |
| Income tax | -475,000 | -559,000 | -645,000 | -736,000 |
| Net income | 314,000 | 646,000 | 971,000 | 1,312,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,502,000 | 13,755,000 | 13,992,000 | 14,236,000 |
| Total capital | 14,743,000 | 15,027,000 | 15,295,000 | 15,590,000 |
| Risk-weighted assets | 103,556,000 | 107,231,000 | 115,130,000 | 119,923,000 |