Call reports 2018
USNY BANK — 2018
What USNY BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 378,208,000 | 390,333,000 | 391,528,000 | 405,435,000 |
| Total loans | 330,782,000 | 348,186,000 | 352,405,000 | 365,944,000 |
| Allowance for loan losses | 5,183,000 | 5,639,000 | 5,751,000 | 6,002,000 |
| Securities available for sale | 17,014,000 | 17,015,000 | 17,010,000 | 17,193,000 |
| Securities held to maturity | 1,745,000 | 707,000 | 636,000 | 1,291,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 335,869,000 | 348,305,000 | 345,141,000 | 356,232,000 |
| Interest-bearing deposits | 284,989,000 | 294,623,000 | 294,977,000 | 307,784,000 |
| Noninterest-bearing deposits | 50,880,000 | 53,682,000 | 50,164,000 | 48,448,000 |
| Equity capital | 36,584,000 | 38,136,000 | 39,559,000 | 41,145,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 4,143,000 | 8,619,000 | 13,270,000 | 18,154,000 |
| Interest expense | 789,000 | 1,736,000 | 2,782,000 | 3,853,000 |
| Net interest income | 3,354,000 | 6,883,000 | 10,488,000 | 14,301,000 |
| Noninterest income | 366,000 | 648,000 | 1,006,000 | 1,232,000 |
| Noninterest expense | 1,938,000 | 3,520,000 | 5,366,000 | 7,338,000 |
| Provision for loan losses | 165,000 | 511,000 | 811,000 | 1,059,000 |
| Pretax income | 1,617,000 | 3,500,000 | 5,317,000 | 7,136,000 |
| Income tax | 353,000 | 763,000 | 1,154,000 | 1,562,000 |
| Net income | 1,264,000 | 2,737,000 | 4,163,000 | 5,574,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,709,000 | 38,245,000 | 39,733,000 | 41,207,000 |
| Total capital | 40,999,000 | 42,703,000 | 44,237,000 | 45,877,000 |
| Risk-weighted assets | 342,291,000 | 355,369,000 | 358,990,000 | 372,095,000 |