Call reports 2007
EMPIRE STATE BANK — 2007
What EMPIRE STATE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 92,233,000 | 99,107,000 | 97,658,000 | 93,917,000 |
| Total loans | 66,045,000 | 69,964,000 | 72,174,000 | 72,419,000 |
| Allowance for loan losses | 585,000 | 590,000 | 617,000 | 624,000 |
| Securities available for sale | 7,491,000 | 7,740,000 | 10,067,000 | 7,037,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 81,104,000 | 88,109,000 | 86,676,000 | 83,212,000 |
| Interest-bearing deposits | 73,723,000 | 78,377,000 | 76,773,000 | 75,093,000 |
| Noninterest-bearing deposits | 7,381,000 | 9,732,000 | 9,903,000 | 8,119,000 |
| Equity capital | 10,812,000 | 10,751,000 | 10,671,000 | 10,474,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,494,000 | 3,053,000 | 4,678,000 | 6,264,000 |
| Interest expense | 875,000 | 1,767,000 | 2,701,000 | 3,562,000 |
| Net interest income | 619,000 | 1,286,000 | 1,977,000 | 2,702,000 |
| Noninterest income | 102,000 | 244,000 | 416,000 | 603,000 |
| Noninterest expense | 905,000 | 1,813,000 | 2,778,000 | 3,905,000 |
| Provision for loan losses | 4,000 | 9,000 | 36,000 | 43,000 |
| Pretax income | -188,000 | -292,000 | -421,000 | -655,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -188,000 | -292,000 | -421,000 | -655,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,338,000 | 10,239,000 | 10,115,000 | 9,886,000 |
| Total capital | 10,923,000 | 10,829,000 | 10,732,000 | 10,510,000 |
| Risk-weighted assets | 74,152,000 | 77,614,000 | 78,868,000 | 78,924,000 |
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