Call reports 2025
UPSTATE NATIONAL BANK, THE — 2025
What UPSTATE NATIONAL BANK, THE reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 268,740,000 | 262,272,000 | 276,994,000 | 276,574,000 |
| Total loans | 222,547,000 | 214,636,000 | 219,976,000 | 223,389,000 |
| Allowance for loan losses | 2,872,000 | 2,648,000 | 2,478,000 | 2,273,000 |
| Securities available for sale | 24,565,000 | 23,960,000 | 24,077,000 | 23,740,000 |
| Securities held to maturity | 10,000 | 10,000 | 10,000 | 10,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 175,669,000 | 173,132,000 | 184,595,000 | 190,562,000 |
| Interest-bearing deposits | 148,586,000 | 147,817,000 | 157,909,000 | 162,852,000 |
| Noninterest-bearing deposits | 27,083,000 | 25,315,000 | 26,686,000 | 27,710,000 |
| Equity capital | 26,610,000 | 27,738,000 | 28,184,000 | 28,889,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 3,223,000 | 6,789,000 | 10,192,000 | 13,892,000 |
| Interest expense | 2,261,000 | 4,508,000 | 6,766,000 | 9,087,000 |
| Net interest income | 962,000 | 2,281,000 | 3,426,000 | 4,805,000 |
| Noninterest income | 31,000 | 351,000 | 442,000 | 918,000 |
| Noninterest expense | 1,529,000 | 3,104,000 | 4,458,000 | 5,752,000 |
| Provision for loan losses | -25,000 | -250,000 | -421,000 | -626,000 |
| Pretax income | -536,000 | -262,000 | -205,000 | 631,000 |
| Income tax | -98,000 | -26,000 | 0 | 221,000 |
| Net income | -438,000 | -236,000 | -205,000 | 410,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,196,000 | 28,463,000 | 28,616,000 | 29,458,000 |
| Total capital | 29,491,000 | 30,701,000 | 30,903,000 | 31,741,000 |
| Risk-weighted assets | 182,972,000 | 178,561,000 | 182,751,000 | 183,547,000 |