Call reports 2021
UPSTATE NATIONAL BANK, THE — 2021
What UPSTATE NATIONAL BANK, THE reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 221,737,000 | 231,640,000 | 244,137,000 | 247,699,000 |
| Total loans | 187,814,000 | 203,166,000 | 204,283,000 | 210,269,000 |
| Allowance for loan losses | 1,864,000 | 1,965,000 | 2,065,000 | 2,165,000 |
| Securities available for sale | 22,459,000 | 21,593,000 | 28,830,000 | 29,472,000 |
| Securities held to maturity | 10,000 | 10,000 | 10,000 | 10,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 187,828,000 | 194,815,000 | 203,444,000 | 209,311,000 |
| Interest-bearing deposits | 170,697,000 | 177,734,000 | 184,319,000 | 192,014,000 |
| Noninterest-bearing deposits | 17,131,000 | 17,081,000 | 19,125,000 | 17,297,000 |
| Equity capital | 19,634,000 | 20,150,000 | 20,935,000 | 21,610,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 2,073,000 | 4,246,000 | 6,600,000 | 9,122,000 |
| Interest expense | 368,000 | 701,000 | 1,007,000 | 1,301,000 |
| Net interest income | 1,705,000 | 3,545,000 | 5,593,000 | 7,821,000 |
| Noninterest income | 12,000 | 22,000 | 32,000 | 43,000 |
| Noninterest expense | 877,000 | 1,701,000 | 2,630,000 | 3,478,000 |
| Provision for loan losses | 100,000 | 200,000 | 300,000 | 400,000 |
| Pretax income | 740,000 | 1,666,000 | 2,695,000 | 3,986,000 |
| Income tax | 172,000 | 386,000 | 623,000 | 920,000 |
| Net income | 568,000 | 1,280,000 | 2,072,000 | 3,066,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,077,000 | 18,069,000 | 19,097,000 | 20,293,000 |
| Total capital | 18,942,000 | 20,034,000 | 21,162,000 | 22,418,000 |
| Risk-weighted assets | 149,683,000 | 159,467,000 | 165,321,000 | 169,956,000 |