Call reports 2017
USNY BANK — 2017
What USNY BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 327,251,000 | 342,068,000 | 348,798,000 | 362,089,000 |
| Total loans | 288,647,000 | 303,367,000 | 313,710,000 | 322,943,000 |
| Allowance for loan losses | 4,527,000 | 4,768,000 | 5,006,000 | 5,221,000 |
| Securities available for sale | 13,144,000 | 14,482,000 | 14,902,000 | 14,165,000 |
| Securities held to maturity | 983,000 | 1,888,000 | 1,873,000 | 1,853,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 287,214,000 | 294,599,000 | 306,754,000 | 319,433,000 |
| Interest-bearing deposits | 235,685,000 | 243,451,000 | 254,798,000 | 272,109,000 |
| Noninterest-bearing deposits | 51,529,000 | 51,148,000 | 51,956,000 | 47,324,000 |
| Equity capital | 31,978,000 | 33,355,000 | 34,560,000 | 35,304,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 3,537,000 | 7,284,000 | 11,296,000 | 15,412,000 |
| Interest expense | 527,000 | 1,114,000 | 1,753,000 | 2,486,000 |
| Net interest income | 3,010,000 | 6,170,000 | 9,543,000 | 12,926,000 |
| Noninterest income | 357,000 | 644,000 | 887,000 | 1,168,000 |
| Noninterest expense | 1,588,000 | 2,937,000 | 4,611,000 | 6,320,000 |
| Provision for loan losses | 237,000 | 544,000 | 787,000 | 1,017,000 |
| Pretax income | 1,542,000 | 3,333,000 | 5,032,000 | 6,757,000 |
| Income tax | 537,000 | 1,139,000 | 1,675,000 | 2,605,000 |
| Net income | 1,005,000 | 2,194,000 | 3,357,000 | 4,152,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,986,000 | 33,227,000 | 34,444,000 | 35,292,000 |
| Total capital | 35,719,000 | 37,139,000 | 38,404,000 | 39,435,000 |
| Risk-weighted assets | 297,829,000 | 312,091,000 | 315,666,000 | 330,324,000 |