Call reports 2006
EMPIRE STATE BANK — 2006
What EMPIRE STATE BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 63,887,000 | 76,156,000 | 86,806,000 | 93,039,000 |
| Total loans | 40,098,000 | 53,022,000 | 59,632,000 | 61,787,000 |
| Allowance for loan losses | 138,000 | 156,000 | 500,000 | 581,000 |
| Securities available for sale | 9,072,000 | 8,760,000 | 9,718,000 | 9,443,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 51,704,000 | 64,299,000 | 75,353,000 | 81,762,000 |
| Interest-bearing deposits | 42,855,000 | 55,562,000 | 67,132,000 | 73,318,000 |
| Noninterest-bearing deposits | 8,849,000 | 8,737,000 | 8,221,000 | 8,444,000 |
| Equity capital | 11,940,000 | 11,616,000 | 11,171,000 | 11,004,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 838,000 | 1,880,000 | 3,201,000 | 4,652,000 |
| Interest expense | 374,000 | 907,000 | 1,653,000 | 2,506,000 |
| Net interest income | 464,000 | 973,000 | 1,548,000 | 2,146,000 |
| Noninterest income | 82,000 | 160,000 | 263,000 | 407,000 |
| Noninterest expense | 873,000 | 1,740,000 | 2,608,000 | 3,443,000 |
| Provision for loan losses | 32,000 | 50,000 | 394,000 | 476,000 |
| Pretax income | -359,000 | -657,000 | -1,191,000 | -1,366,000 |
| Income tax | 5,000 | 6,000 | 0 | 0 |
| Net income | -364,000 | -663,000 | -1,191,000 | -1,366,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,508,000 | 11,191,000 | 10,692,000 | 10,522,000 |
| Total capital | 11,646,000 | 11,347,000 | 11,192,000 | 11,103,000 |
| Risk-weighted assets | 45,500,000 | 58,057,000 | 67,137,000 | 69,083,000 |
Machine access — free, no API key
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