Call reports 2008
USNY BANK — 2008
What USNY BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 26,989,000 | 34,461,000 | 43,889,000 | 49,672,000 |
| Total loans | 19,796,000 | 30,195,000 | 35,977,000 | 43,471,000 |
| Allowance for loan losses | 297,000 | 455,000 | 540,000 | 680,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 20,049,000 | 27,671,000 | 37,308,000 | 43,227,000 |
| Interest-bearing deposits | 19,175,000 | 25,891,000 | 34,110,000 | 39,919,000 |
| Noninterest-bearing deposits | 874,000 | 1,780,000 | 3,198,000 | 3,308,000 |
| Equity capital | 6,877,000 | 6,683,000 | 6,509,000 | 6,343,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 264,000 | 626,000 | 1,117,000 | 1,680,000 |
| Interest expense | 148,000 | 366,000 | 652,000 | 955,000 |
| Net interest income | 116,000 | 260,000 | 465,000 | 725,000 |
| Noninterest income | 28,000 | 86,000 | 132,000 | 165,000 |
| Noninterest expense | 385,000 | 748,000 | 1,197,000 | 1,623,000 |
| Provision for loan losses | 110,000 | 268,000 | 353,000 | 493,000 |
| Pretax income | -351,000 | -670,000 | -953,000 | -1,226,000 |
| Income tax | -136,000 | -261,000 | -370,000 | -477,000 |
| Net income | -215,000 | -409,000 | -583,000 | -749,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,164,000 | 5,845,000 | 5,562,000 | 5,289,000 |
| Total capital | 6,444,000 | 6,242,000 | 6,027,000 | 5,822,000 |
| Risk-weighted assets | 22,353,000 | 31,678,000 | 37,117,000 | 42,481,000 |
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