Call reports 2005
NEW YORK COMMERCIAL BANK — 2005
What NEW YORK COMMERCIAL BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 543,950,000 | 539,275,000 | 531,979,000 | 608,713,000 |
| Total loans | 236,151,000 | 249,963,000 | 257,840,000 | 254,701,000 |
| Allowance for loan losses | 4,627,000 | 4,066,000 | 3,725,000 | 1,669,000 |
| Securities available for sale | 272,007,000 | 255,545,000 | 237,196,000 | 234,560,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 413,201,000 | 420,216,000 | 379,259,000 | 433,364,000 |
| Interest-bearing deposits | 312,263,000 | 307,334,000 | 268,834,000 | 326,374,000 |
| Noninterest-bearing deposits | 100,938,000 | 112,882,000 | 110,425,000 | 106,990,000 |
| Equity capital | 28,035,000 | 31,697,000 | 30,398,000 | 89,640,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 6,898,000 | 13,868,000 | 20,848,000 | 77,000 |
| Interest expense | 2,369,000 | 4,947,000 | 7,694,000 | 29,000 |
| Net interest income | 4,529,000 | 8,921,000 | 13,154,000 | 48,000 |
| Noninterest income | 1,021,000 | 2,184,000 | 3,304,000 | 12,000 |
| Noninterest expense | 3,919,000 | 7,953,000 | 11,887,000 | 44,000 |
| Provision for loan losses | 75,000 | 125,000 | 175,000 | 0 |
| Pretax income | 1,556,000 | 3,027,000 | 4,413,000 | 16,000 |
| Income tax | 559,000 | 1,082,000 | 1,571,000 | 4,000 |
| Net income | 997,000 | 1,945,000 | 2,842,000 | 12,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,964,000 | 33,912,000 | 34,809,000 | 36,980,000 |
| Total capital | 36,867,000 | 37,866,000 | 38,552,000 | 38,649,000 |
| Risk-weighted assets | 311,475,000 | 316,195,000 | 321,998,000 | 324,339,000 |