Call reports 2013
USNY BANK — 2013
What USNY BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 151,686,000 | 163,423,000 | 170,819,000 | 179,849,000 |
| Total loans | 132,515,000 | 139,639,000 | 146,774,000 | 157,100,000 |
| Allowance for loan losses | 2,257,000 | 2,345,000 | 2,470,000 | 2,604,000 |
| Securities available for sale | 1,236,000 | 1,855,000 | 3,615,000 | 5,414,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 135,622,000 | 144,885,000 | 149,271,000 | 157,781,000 |
| Interest-bearing deposits | 125,341,000 | 131,667,000 | 136,022,000 | 144,341,000 |
| Noninterest-bearing deposits | 10,281,000 | 13,218,000 | 13,249,000 | 13,440,000 |
| Equity capital | 13,712,000 | 14,621,000 | 16,190,000 | 16,847,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,792,000 | 3,587,000 | 5,518,000 | 7,537,000 |
| Interest expense | 310,000 | 650,000 | 1,009,000 | 1,354,000 |
| Net interest income | 1,482,000 | 2,937,000 | 4,509,000 | 6,183,000 |
| Noninterest income | 228,000 | 433,000 | 590,000 | 766,000 |
| Noninterest expense | 656,000 | 1,359,000 | 2,066,000 | 2,760,000 |
| Provision for loan losses | 165,000 | 250,000 | 375,000 | 565,000 |
| Pretax income | 889,000 | 1,761,000 | 2,658,000 | 3,624,000 |
| Income tax | 344,000 | 657,000 | 967,000 | 1,269,000 |
| Net income | 545,000 | 1,104,000 | 1,691,000 | 2,355,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,713,000 | 14,632,000 | 16,208,000 | 16,872,000 |
| Total capital | 15,263,000 | 16,280,000 | 18,053,000 | 18,712,000 |
| Risk-weighted assets | 123,300,000 | 131,299,000 | 146,935,000 | 156,795,000 |