Call reports 2022
UPSTATE NATIONAL BANK, THE — 2022
What UPSTATE NATIONAL BANK, THE reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 264,519,000 | 262,794,000 | 273,295,000 | 308,456,000 |
| Total loans | 222,369,000 | 227,124,000 | 235,370,000 | 250,376,000 |
| Allowance for loan losses | 2,265,000 | 2,366,000 | 2,466,000 | 2,566,000 |
| Securities available for sale | 29,154,000 | 27,719,000 | 27,745,000 | 30,803,000 |
| Securities held to maturity | 10,000 | 10,000 | 10,000 | 10,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 224,894,000 | 209,336,000 | 205,084,000 | 236,847,000 |
| Interest-bearing deposits | 205,893,000 | 188,344,000 | 179,257,000 | 211,199,000 |
| Noninterest-bearing deposits | 19,001,000 | 20,992,000 | 25,827,000 | 25,648,000 |
| Equity capital | 20,968,000 | 20,865,000 | 20,562,000 | 21,011,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 2,529,000 | 5,170,000 | 7,957,000 | 11,211,000 |
| Interest expense | 270,000 | 582,000 | 1,377,000 | 2,900,000 |
| Net interest income | 2,259,000 | 4,588,000 | 6,580,000 | 8,311,000 |
| Noninterest income | 10,000 | 29,000 | 30,000 | 37,000 |
| Noninterest expense | 904,000 | 1,877,000 | 2,883,000 | 3,849,000 |
| Provision for loan losses | 100,000 | 200,000 | 300,000 | 400,000 |
| Pretax income | 1,265,000 | 2,540,000 | 3,427,000 | 4,099,000 |
| Income tax | 305,000 | 665,000 | 918,000 | 1,093,000 |
| Net income | 960,000 | 1,875,000 | 2,509,000 | 3,006,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,400,000 | 22,226,000 | 22,612,000 | 22,762,000 |
| Total capital | 23,665,000 | 24,506,000 | 24,972,000 | 25,318,000 |
| Risk-weighted assets | 182,063,000 | 182,351,000 | 188,670,000 | 204,340,000 |