Call reports 2011
NEW CITY BANK — 2011
What NEW CITY BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 89,017,000 | 83,481,000 | 75,825,000 | 71,202,000 |
| Total loans | 56,273,000 | 53,094,000 | 45,304,000 | 42,212,000 |
| Allowance for loan losses | 3,518,000 | 5,305,000 | 6,243,000 | 5,822,000 |
| Securities available for sale | 8,583,000 | 6,711,000 | 8,991,000 | 8,888,000 |
| Securities held to maturity | 16,993,000 | 17,459,000 | 16,037,000 | 15,035,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 82,198,000 | 77,932,000 | 73,448,000 | 72,399,000 |
| Interest-bearing deposits | 79,418,000 | 74,490,000 | 69,654,000 | 70,141,000 |
| Noninterest-bearing deposits | 2,780,000 | 3,442,000 | 3,794,000 | 2,258,000 |
| Equity capital | 6,338,000 | 5,029,000 | 1,749,000 | -1,801,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,215,000 | 2,283,000 | 3,167,000 | 3,954,000 |
| Interest expense | 253,000 | 494,000 | 727,000 | 938,000 |
| Net interest income | 962,000 | 1,789,000 | 2,440,000 | 3,016,000 |
| Noninterest income | 41,000 | 251,000 | -278,000 | -1,154,000 |
| Noninterest expense | 639,000 | 1,348,000 | 1,924,000 | 2,821,000 |
| Provision for loan losses | 1,225,000 | 3,000,000 | 5,909,000 | 8,277,000 |
| Pretax income | -840,000 | -2,280,000 | -5,643,000 | -9,168,000 |
| Income tax | 1,000 | 2,000 | 2,000 | 0 |
| Net income | -841,000 | -2,282,000 | -5,645,000 | -9,168,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,546,000 | 5,104,000 | 1,741,000 | -1,782,000 |
| Total capital | 7,337,000 | 5,898,000 | 2,434,000 | -1,782,000 |
| Risk-weighted assets | 60,559,000 | 59,017,000 | 49,873,000 | 45,563,000 |