Call reports 2003
NEW YORK COMMERCIAL BANK — 2003
What NEW YORK COMMERCIAL BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 458,860,000 | 500,309,000 | 473,810,000 | 524,024,000 |
| Total loans | 214,582,000 | 217,383,000 | 225,194,000 | 228,488,000 |
| Allowance for loan losses | 2,406,000 | 2,416,000 | 2,382,000 | 2,290,000 |
| Securities available for sale | 198,722,000 | 183,707,000 | 205,532,000 | 216,967,000 |
| Securities held to maturity | 12,464,000 | 12,467,000 | 12,471,000 | 12,474,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 360,292,000 | 403,396,000 | 359,321,000 | 429,880,000 |
| Interest-bearing deposits | 271,541,000 | 314,329,000 | 258,622,000 | 331,148,000 |
| Noninterest-bearing deposits | 88,751,000 | 89,067,000 | 100,699,000 | 98,732,000 |
| Equity capital | 28,082,000 | 28,682,000 | 28,073,000 | 28,824,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 6,098,000 | 12,030,000 | 17,878,000 | 24,014,000 |
| Interest expense | 2,202,000 | 4,370,000 | 6,348,000 | 8,312,000 |
| Net interest income | 3,896,000 | 7,660,000 | 11,530,000 | 15,702,000 |
| Noninterest income | 857,000 | 1,760,000 | 2,734,000 | 3,733,000 |
| Noninterest expense | 3,316,000 | 6,703,000 | 10,247,000 | 13,943,000 |
| Provision for loan losses | 60,000 | 60,000 | 60,000 | 60,000 |
| Pretax income | 1,466,000 | 2,899,000 | 4,357,000 | 6,074,000 |
| Income tax | 517,000 | 1,039,000 | 1,479,000 | 2,191,000 |
| Net income | 949,000 | 1,860,000 | 2,878,000 | 3,883,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,618,000 | 27,529,000 | 28,547,000 | 29,552,000 |
| Total capital | 29,024,000 | 29,945,000 | 30,929,000 | 31,842,000 |
| Risk-weighted assets | 274,015,000 | 284,936,000 | 289,069,000 | 304,661,000 |