Call reports 2010
USNY BANK — 2010
What USNY BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 67,259,000 | 70,068,000 | 77,748,000 | 85,760,000 |
| Total loans | 59,832,000 | 63,889,000 | 69,267,000 | 76,665,000 |
| Allowance for loan losses | 970,000 | 1,025,000 | 1,105,000 | 1,190,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 61,853,000 | 64,405,000 | 69,139,000 | 75,242,000 |
| Interest-bearing deposits | 55,641,000 | 58,589,000 | 62,231,000 | 66,375,000 |
| Noninterest-bearing deposits | 6,212,000 | 5,816,000 | 6,908,000 | 8,867,000 |
| Equity capital | 5,358,000 | 5,589,000 | 8,563,000 | 9,379,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 879,000 | 1,781,000 | 2,833,000 | 3,953,000 |
| Interest expense | 225,000 | 456,000 | 689,000 | 915,000 |
| Net interest income | 654,000 | 1,325,000 | 2,144,000 | 3,038,000 |
| Noninterest income | 125,000 | 164,000 | 236,000 | 281,000 |
| Noninterest expense | 511,000 | 935,000 | 1,513,000 | 2,071,000 |
| Provision for loan losses | 65,000 | 120,000 | 200,000 | 285,000 |
| Pretax income | 203,000 | 434,000 | 667,000 | 963,000 |
| Income tax | 0 | 0 | 0 | -779,000 |
| Net income | 203,000 | 434,000 | 667,000 | 1,742,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,358,000 | 5,589,000 | 8,563,000 | 8,824,000 |
| Total capital | 6,045,000 | 6,310,000 | 9,330,000 | 9,686,000 |
| Risk-weighted assets | 54,689,000 | 57,353,000 | 61,001,000 | 68,614,000 |
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