Call reports 2019
USNY BANK — 2019
What USNY BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 424,874,000 | 431,589,000 | 435,907,000 | 439,784,000 |
| Total loans | 376,749,000 | 382,876,000 | 386,274,000 | 389,020,000 |
| Allowance for loan losses | 6,158,000 | 6,589,000 | 7,051,000 | 7,767,000 |
| Securities available for sale | 17,770,000 | 18,202,000 | 17,710,000 | 17,029,000 |
| Securities held to maturity | 1,787,000 | 1,793,000 | 1,770,000 | 2,824,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 378,137,000 | 383,771,000 | 387,097,000 | 387,912,000 |
| Interest-bearing deposits | 325,046,000 | 328,182,000 | 327,243,000 | 332,470,000 |
| Noninterest-bearing deposits | 53,091,000 | 55,589,000 | 59,854,000 | 55,442,000 |
| Equity capital | 42,654,000 | 44,076,000 | 45,270,000 | 46,440,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 5,029,000 | 10,216,000 | 15,563,000 | 20,776,000 |
| Interest expense | 1,341,000 | 2,752,000 | 4,256,000 | 5,667,000 |
| Net interest income | 3,688,000 | 7,464,000 | 11,307,000 | 15,109,000 |
| Noninterest income | 346,000 | 558,000 | 829,000 | 1,129,000 |
| Noninterest expense | 2,285,000 | 4,266,000 | 6,377,000 | 8,548,000 |
| Provision for loan losses | 155,000 | 597,000 | 1,247,000 | 1,942,000 |
| Pretax income | 1,594,000 | 3,159,000 | 4,512,000 | 5,748,000 |
| Income tax | 351,000 | 689,000 | 965,000 | 1,122,000 |
| Net income | 1,243,000 | 2,470,000 | 3,547,000 | 4,626,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 42,552,000 | 43,845,000 | 45,084,000 | 46,223,000 |
| Total capital | 47,424,000 | 48,757,000 | 49,967,000 | 51,317,000 |
| Risk-weighted assets | 388,430,000 | 391,167,000 | 388,436,000 | 404,822,000 |