Call reports 2016
USNY BANK — 2016
What USNY BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 277,087,000 | 294,791,000 | 298,722,000 | 311,016,000 |
| Total loans | 240,309,000 | 260,301,000 | 267,458,000 | 280,260,000 |
| Allowance for loan losses | 3,625,000 | 4,011,000 | 4,086,000 | 4,290,000 |
| Securities available for sale | 11,041,000 | 11,812,000 | 11,802,000 | 12,202,000 |
| Securities held to maturity | 797,000 | 759,000 | 683,000 | 1,071,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 237,230,000 | 251,799,000 | 260,724,000 | 270,472,000 |
| Interest-bearing deposits | 199,580,000 | 206,738,000 | 215,543,000 | 223,804,000 |
| Noninterest-bearing deposits | 37,650,000 | 45,061,000 | 45,181,000 | 46,668,000 |
| Equity capital | 27,861,000 | 28,898,000 | 29,839,000 | 30,775,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 3,043,000 | 6,245,000 | 9,653,000 | 13,186,000 |
| Interest expense | 449,000 | 917,000 | 1,424,000 | 1,928,000 |
| Net interest income | 2,594,000 | 5,328,000 | 8,229,000 | 11,258,000 |
| Noninterest income | 399,000 | 613,000 | 934,000 | 1,218,000 |
| Noninterest expense | 1,543,000 | 2,726,000 | 4,101,000 | 5,520,000 |
| Provision for loan losses | 267,000 | 653,000 | 928,000 | 1,299,000 |
| Pretax income | 1,183,000 | 2,562,000 | 4,134,000 | 5,657,000 |
| Income tax | 388,000 | 872,000 | 1,484,000 | 1,874,000 |
| Net income | 795,000 | 1,690,000 | 2,650,000 | 3,783,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,725,000 | 28,664,000 | 29,666,000 | 30,844,000 |
| Total capital | 30,845,000 | 32,030,000 | 33,061,000 | 34,424,000 |
| Risk-weighted assets | 249,048,000 | 268,562,000 | 270,878,000 | 285,649,000 |