Call reports 2008
EMPIRE STATE BANK — 2008
What EMPIRE STATE 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 | 102,418,000 | 129,207,000 | 133,428,000 | 145,253,000 |
| Total loans | 74,621,000 | 82,207,000 | 89,807,000 | 95,490,000 |
| Allowance for loan losses | 617,000 | 706,000 | 748,000 | 862,000 |
| Securities available for sale | 6,986,000 | 6,090,000 | 5,020,000 | 4,974,000 |
| Securities held to maturity | 4,486,000 | 20,003,000 | 22,598,000 | 23,529,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 91,873,000 | 108,971,000 | 113,565,000 | 125,473,000 |
| Interest-bearing deposits | 82,152,000 | 95,286,000 | 100,537,000 | 111,921,000 |
| Noninterest-bearing deposits | 9,721,000 | 13,685,000 | 13,028,000 | 13,552,000 |
| Equity capital | 10,228,000 | 9,949,000 | 9,832,000 | 9,804,000 |
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 | 1,435,000 | 3,050,000 | 4,821,000 | 6,627,000 |
| Interest expense | 688,000 | 1,434,000 | 2,282,000 | 3,259,000 |
| Net interest income | 747,000 | 1,616,000 | 2,539,000 | 3,368,000 |
| Noninterest income | 125,000 | 286,000 | 501,000 | 693,000 |
| Noninterest expense | 1,155,000 | 2,314,000 | 4,401,000 | 5,657,000 |
| Provision for loan losses | -7,000 | 83,000 | 129,000 | 244,000 |
| Pretax income | -269,000 | -488,000 | -1,483,000 | -1,833,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -269,000 | -488,000 | -1,483,000 | -1,833,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,621,000 | 9,397,000 | 9,528,000 | 9,438,000 |
| Total capital | 10,238,000 | 10,103,000 | 10,276,000 | 10,300,000 |
| Risk-weighted assets | 82,798,000 | 91,156,000 | 92,875,000 | 93,308,000 |
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