Call reports 2009
USNY BANK — 2009
What USNY BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 54,075,000 | 63,730,000 | 61,212,000 | 64,254,000 |
| Total loans | 48,830,000 | 52,446,000 | 54,976,000 | 57,849,000 |
| Allowance for loan losses | 800,000 | 772,000 | 833,000 | 905,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 47,838,000 | 57,513,000 | 56,133,000 | 59,031,000 |
| Interest-bearing deposits | 44,104,000 | 50,797,000 | 49,875,000 | 53,144,000 |
| Noninterest-bearing deposits | 3,734,000 | 6,716,000 | 6,258,000 | 5,887,000 |
| Equity capital | 6,171,000 | 6,100,000 | 5,003,000 | 5,155,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 599,000 | 1,350,000 | 2,174,000 | 3,056,000 |
| Interest expense | 273,000 | 510,000 | 767,000 | 1,003,000 |
| Net interest income | 326,000 | 840,000 | 1,407,000 | 2,053,000 |
| Noninterest income | 18,000 | 43,000 | 142,000 | 209,000 |
| Noninterest expense | 506,000 | 1,028,000 | 1,524,000 | 2,012,000 |
| Provision for loan losses | 120,000 | 251,000 | 312,000 | 384,000 |
| Pretax income | -282,000 | -396,000 | -287,000 | -134,000 |
| Income tax | -110,000 | -153,000 | 1,053,000 | 1,054,000 |
| Net income | -172,000 | -243,000 | -1,340,000 | -1,188,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,007,000 | 4,894,000 | 5,003,000 | 5,155,000 |
| Total capital | 5,593,000 | 5,518,000 | 5,646,000 | 5,824,000 |
| Risk-weighted assets | 46,637,000 | 49,768,000 | 51,283,000 | 53,295,000 |
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