Call reports 2015
USNY BANK — 2015
What USNY BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 228,132,000 | 238,301,000 | 253,997,000 | 256,688,000 |
| Total loans | 199,765,000 | 207,316,000 | 218,353,000 | 229,075,000 |
| Allowance for loan losses | 3,254,000 | 3,395,000 | 3,549,000 | 3,358,000 |
| Securities available for sale | 9,972,000 | 9,930,000 | 10,540,000 | 10,588,000 |
| Securities held to maturity | 319,000 | 471,000 | 508,000 | 700,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 197,922,000 | 207,284,000 | 218,329,000 | 218,579,000 |
| Interest-bearing deposits | 166,347,000 | 175,407,000 | 181,227,000 | 190,609,000 |
| Noninterest-bearing deposits | 31,575,000 | 31,877,000 | 37,102,000 | 27,970,000 |
| Equity capital | 20,543,000 | 21,300,000 | 26,032,000 | 26,928,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,519,000 | 5,251,000 | 8,080,000 | 10,967,000 |
| Interest expense | 376,000 | 771,000 | 1,176,000 | 1,592,000 |
| Net interest income | 2,143,000 | 4,480,000 | 6,904,000 | 9,375,000 |
| Noninterest income | 294,000 | 494,000 | 719,000 | 925,000 |
| Noninterest expense | 1,185,000 | 2,409,000 | 3,555,000 | 4,858,000 |
| Provision for loan losses | 178,000 | 315,000 | 470,000 | 651,000 |
| Pretax income | 1,074,000 | 2,250,000 | 3,598,000 | 4,791,000 |
| Income tax | 347,000 | 711,000 | 1,126,000 | 1,504,000 |
| Net income | 727,000 | 1,539,000 | 2,472,000 | 3,287,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,465,000 | 21,313,000 | 25,980,000 | 26,831,000 |
| Total capital | 22,997,000 | 23,974,000 | 28,800,000 | 29,760,000 |
| Risk-weighted assets | 201,798,000 | 212,102,000 | 224,913,000 | 233,869,000 |