Call reports 2008
NEW YORK COMMERCIAL BANK — 2008
What NEW YORK COMMERCIAL BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 2,789,878,000 | 2,931,064,000 | 2,628,001,000 | 2,697,944,000 |
| Total loans | 1,801,775,000 | 1,967,953,000 | 1,532,187,000 | 1,675,003,000 |
| Allowance for loan losses | 7,028,000 | 7,487,000 | 7,020,000 | 9,259,000 |
| Securities available for sale | 201,723,000 | 182,586,000 | 177,565,000 | 137,100,000 |
| Securities held to maturity | 0 | 0 | 148,565,000 | 144,533,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,950,348,000 | 2,069,530,000 | 1,805,546,000 | 1,992,379,000 |
| Interest-bearing deposits | 1,487,584,000 | 1,590,425,000 | 1,323,772,000 | 1,616,313,000 |
| Noninterest-bearing deposits | 462,764,000 | 479,105,000 | 481,774,000 | 376,067,000 |
| Equity capital | 517,158,000 | 517,169,000 | 519,717,000 | 498,312,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 35,025,000 | 66,563,000 | 96,703,000 | 132,560,000 |
| Interest expense | 13,651,000 | 24,666,000 | 33,688,000 | 43,143,000 |
| Net interest income | 21,374,000 | 41,897,000 | 63,015,000 | 89,417,000 |
| Noninterest income | 3,238,000 | 6,411,000 | 9,588,000 | 12,761,000 |
| Noninterest expense | 18,219,000 | 41,308,000 | 59,053,000 | 76,429,000 |
| Provision for loan losses | 0 | 842,000 | 1,242,000 | 3,656,000 |
| Pretax income | 8,087,000 | 7,852,000 | 12,398,000 | 22,183,000 |
| Income tax | 1,958,000 | 69,000 | 1,358,000 | 4,488,000 |
| Net income | 6,129,000 | 7,783,000 | 11,040,000 | 17,695,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 264,697,000 | 267,338,000 | 271,010,000 | 253,797,000 |
| Total capital | 271,760,000 | 274,839,000 | 278,045,000 | 263,083,000 |
| Risk-weighted assets | 2,087,023,000 | 2,232,488,000 | 1,844,931,000 | 1,988,027,000 |