Call reports 2012
USNY BANK — 2012
What USNY BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 117,839,000 | 128,914,000 | 135,604,000 | 145,994,000 |
| Total loans | 104,113,000 | 109,687,000 | 117,208,000 | 124,648,000 |
| Allowance for loan losses | 1,759,000 | 1,875,000 | 1,926,000 | 2,092,000 |
| Securities available for sale | 0 | 0 | 0 | 1,238,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 106,526,000 | 116,847,000 | 119,809,000 | 125,196,000 |
| Interest-bearing deposits | 91,915,000 | 100,493,000 | 104,057,000 | 114,228,000 |
| Noninterest-bearing deposits | 14,611,000 | 16,354,000 | 15,752,000 | 10,968,000 |
| Equity capital | 11,088,000 | 11,640,000 | 12,317,000 | 12,993,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,541,000 | 3,118,000 | 4,797,000 | 6,569,000 |
| Interest expense | 258,000 | 541,000 | 847,000 | 1,156,000 |
| Net interest income | 1,283,000 | 2,577,000 | 3,950,000 | 5,413,000 |
| Noninterest income | 215,000 | 584,000 | 855,000 | 1,044,000 |
| Noninterest expense | 735,000 | 1,479,000 | 2,162,000 | 3,151,000 |
| Provision for loan losses | 104,000 | 141,000 | 203,000 | 378,000 |
| Pretax income | 659,000 | 1,541,000 | 2,440,000 | 2,928,000 |
| Income tax | 255,000 | 596,000 | 943,000 | 973,000 |
| Net income | 404,000 | 945,000 | 1,497,000 | 1,955,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,088,000 | 11,640,000 | 12,317,000 | 12,993,000 |
| Total capital | 12,293,000 | 12,939,000 | 13,682,000 | 14,434,000 |
| Risk-weighted assets | 95,823,000 | 103,347,000 | 107,879,000 | 115,227,000 |