Call reports 2014
USNY BANK — 2014
What USNY BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 190,782,000 | 200,854,000 | 208,769,000 | 217,251,000 |
| Total loans | 166,050,000 | 176,377,000 | 182,924,000 | 189,594,000 |
| Allowance for loan losses | 2,731,000 | 2,846,000 | 3,029,000 | 3,076,000 |
| Securities available for sale | 6,305,000 | 6,639,000 | 7,834,000 | 8,684,000 |
| Securities held to maturity | 0 | 68,000 | 268,000 | 333,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 166,591,000 | 172,694,000 | 180,874,000 | 188,436,000 |
| Interest-bearing deposits | 148,037,000 | 154,681,000 | 157,761,000 | 164,450,000 |
| Noninterest-bearing deposits | 18,554,000 | 18,013,000 | 23,113,000 | 23,986,000 |
| Equity capital | 17,471,000 | 18,256,000 | 19,026,000 | 19,707,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 2,110,000 | 4,389,000 | 6,807,000 | 9,298,000 |
| Interest expense | 351,000 | 704,000 | 1,075,000 | 1,418,000 |
| Net interest income | 1,759,000 | 3,685,000 | 5,732,000 | 7,880,000 |
| Noninterest income | 157,000 | 411,000 | 608,000 | 835,000 |
| Noninterest expense | 946,000 | 1,840,000 | 2,749,000 | 3,983,000 |
| Provision for loan losses | 127,000 | 239,000 | 422,000 | 569,000 |
| Pretax income | 843,000 | 2,017,000 | 3,169,000 | 4,163,000 |
| Income tax | 313,000 | 750,000 | 1,178,000 | 1,517,000 |
| Net income | 530,000 | 1,267,000 | 1,991,000 | 2,646,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,483,000 | 18,240,000 | 18,984,000 | 19,658,000 |
| Total capital | 19,541,000 | 20,441,000 | 21,199,000 | 21,986,000 |
| Risk-weighted assets | 177,914,000 | 183,259,000 | 194,475,000 | 203,485,000 |