Call reports 2011
USNY BANK — 2011
What USNY BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 84,888,000 | 95,975,000 | 103,839,000 | 109,542,000 |
| Total loans | 76,266,000 | 84,917,000 | 90,875,000 | 97,933,000 |
| Allowance for loan losses | 1,235,000 | 1,366,000 | 1,500,000 | 1,590,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 74,849,000 | 85,782,000 | 92,243,000 | 96,997,000 |
| Interest-bearing deposits | 66,682,000 | 73,311,000 | 79,366,000 | 82,758,000 |
| Noninterest-bearing deposits | 8,167,000 | 12,471,000 | 12,877,000 | 14,239,000 |
| Equity capital | 9,724,000 | 9,987,000 | 10,359,000 | 10,684,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,181,000 | 2,426,000 | 3,860,000 | 5,363,000 |
| Interest expense | 220,000 | 442,000 | 681,000 | 924,000 |
| Net interest income | 961,000 | 1,984,000 | 3,179,000 | 4,439,000 |
| Noninterest income | 307,000 | 377,000 | 532,000 | 610,000 |
| Noninterest expense | 687,000 | 1,245,000 | 1,886,000 | 2,663,000 |
| Provision for loan losses | 45,000 | 171,000 | 302,000 | 397,000 |
| Pretax income | 536,000 | 945,000 | 1,523,000 | 1,989,000 |
| Income tax | 191,000 | 337,000 | 543,000 | 684,000 |
| Net income | 345,000 | 608,000 | 980,000 | 1,305,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,724,000 | 9,987,000 | 10,359,000 | 10,684,000 |
| Total capital | 10,603,000 | 10,964,000 | 11,422,000 | 11,821,000 |
| Risk-weighted assets | 69,953,000 | 77,770,000 | 84,577,000 | 90,510,000 |