Call reports 2007
USNY BANK — 2007
What USNY BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q3 | 2007Q4 |
|---|---|---|
| Total assets | 14,815,000 | 17,175,000 |
| Total loans | 8,520,000 | 12,421,000 |
| Allowance for loan losses | 127,000 | 187,000 |
| Securities available for sale | 0 | 0 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 6,241,000 | 10,010,000 |
| Interest-bearing deposits | 5,883,000 | 9,165,000 |
| Noninterest-bearing deposits | 358,000 | 845,000 |
| Equity capital | 7,257,000 | 7,092,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q3 | 2007Q4 |
|---|---|---|
| Interest income | 134,000 | 381,000 |
| Interest expense | 26,000 | 115,000 |
| Net interest income | 108,000 | 266,000 |
| Noninterest income | 32,000 | 74,000 |
| Noninterest expense | 1,139,000 | 1,638,000 |
| Provision for loan losses | 127,000 | 187,000 |
| Pretax income | -1,126,000 | -1,485,000 |
| Income tax | -383,000 | -577,000 |
| Net income | -743,000 | -908,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q3 | 2007Q4 |
|---|---|---|
| Tier 1 capital | 6,874,000 | 6,515,000 |
| Total capital | 7,001,000 | 6,696,000 |
| Risk-weighted assets | 10,407,000 | 14,510,000 |
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