Call reports 2005
EMPIRE STATE BANK — 2005
What EMPIRE STATE 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 | 36,036,000 | 39,362,000 | 50,685,000 | 56,053,000 |
| Total loans | 10,581,000 | 19,978,000 | 30,006,000 | 34,109,000 |
| Allowance for loan losses | 48,000 | 67,000 | 88,000 | 106,000 |
| Securities available for sale | 9,210,000 | 8,962,000 | 5,557,000 | 6,379,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 22,427,000 | 26,269,000 | 37,944,000 | 43,587,000 |
| Interest-bearing deposits | 17,479,000 | 20,682,000 | 28,468,000 | 33,304,000 |
| Noninterest-bearing deposits | 4,948,000 | 5,587,000 | 9,476,000 | 10,283,000 |
| Equity capital | 13,346,000 | 12,980,000 | 12,618,000 | 12,332,000 |
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 | 290,000 | 678,000 | 1,231,000 | 1,910,000 |
| Interest expense | 89,000 | 202,000 | 387,000 | 630,000 |
| Net interest income | 201,000 | 476,000 | 844,000 | 1,280,000 |
| Noninterest income | 55,000 | 184,000 | 312,000 | 409,000 |
| Noninterest expense | 704,000 | 1,538,000 | 2,376,000 | 3,142,000 |
| Provision for loan losses | 16,000 | 36,000 | 56,000 | 74,000 |
| Pretax income | -464,000 | -914,000 | -1,276,000 | -1,527,000 |
| Income tax | 6,000 | 6,000 | 6,000 | 11,000 |
| Net income | -470,000 | -920,000 | -1,282,000 | -1,538,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,856,000 | 12,476,000 | 12,114,000 | 11,872,000 |
| Total capital | 12,904,000 | 12,543,000 | 12,202,000 | 11,978,000 |
| Risk-weighted assets | 15,443,000 | 24,637,000 | 35,013,000 | 38,798,000 |
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