Call reports 2004
NEW YORK COMMERCIAL BANK — 2004
What NEW YORK COMMERCIAL BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 535,155,000 | 545,073,000 | 537,444,000 | 554,369,000 |
| Total loans | 235,638,000 | 240,407,000 | 245,554,000 | 244,081,000 |
| Allowance for loan losses | 2,444,000 | 6,722,000 | 5,794,000 | 5,591,000 |
| Securities available for sale | 266,787,000 | 269,735,000 | 258,821,000 | 278,814,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 394,593,000 | 370,822,000 | 377,832,000 | 422,854,000 |
| Interest-bearing deposits | 297,103,000 | 273,338,000 | 272,260,000 | 322,703,000 |
| Noninterest-bearing deposits | 97,490,000 | 97,484,000 | 105,572,000 | 100,151,000 |
| Equity capital | 32,489,000 | 25,216,000 | 30,263,000 | 30,156,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 6,349,000 | 12,980,000 | 19,875,000 | 26,725,000 |
| Interest expense | 2,022,000 | 4,054,000 | 6,228,000 | 8,537,000 |
| Net interest income | 4,327,000 | 8,926,000 | 13,647,000 | 18,188,000 |
| Noninterest income | 1,271,000 | 2,316,000 | 3,316,000 | 4,309,000 |
| Noninterest expense | 3,955,000 | 8,354,000 | 11,948,000 | 15,504,000 |
| Provision for loan losses | 500,000 | 5,500,000 | 5,575,000 | 6,325,000 |
| Pretax income | 1,540,000 | 268,000 | 2,309,000 | 3,539,000 |
| Income tax | 485,000 | -18,000 | 700,000 | 1,124,000 |
| Net income | 1,055,000 | 286,000 | 1,609,000 | 2,415,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,607,000 | 29,838,000 | 31,161,000 | 31,967,000 |
| Total capital | 33,051,000 | 33,771,000 | 35,074,000 | 35,926,000 |
| Risk-weighted assets | 310,127,000 | 311,841,000 | 311,139,000 | 315,035,000 |