Call reports 2009
EMPIRE STATE BANK — 2009
What EMPIRE STATE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 146,517,000 | 154,754,000 | 158,646,000 | 156,947,000 |
| Total loans | 98,280,000 | 99,180,000 | 106,276,000 | 107,484,000 |
| Allowance for loan losses | 934,000 | 1,031,000 | 1,130,000 | 1,824,000 |
| Securities available for sale | 4,202,000 | 4,256,000 | 3,760,000 | 28,756,000 |
| Securities held to maturity | 29,364,000 | 28,796,000 | 31,972,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 127,212,000 | 134,806,000 | 138,062,000 | 136,783,000 |
| Interest-bearing deposits | 114,508,000 | 120,118,000 | 121,803,000 | 121,317,000 |
| Noninterest-bearing deposits | 12,704,000 | 14,688,000 | 16,259,000 | 15,466,000 |
| Equity capital | 9,561,000 | 10,263,000 | 11,293,000 | 11,042,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,801,000 | 3,629,000 | 5,524,000 | 7,508,000 |
| Interest expense | 932,000 | 1,753,000 | 2,547,000 | 3,293,000 |
| Net interest income | 869,000 | 1,876,000 | 2,977,000 | 4,215,000 |
| Noninterest income | 213,000 | 585,000 | 807,000 | 1,000,000 |
| Noninterest expense | 1,183,000 | 2,555,000 | 3,840,000 | 5,629,000 |
| Provision for loan losses | 83,000 | 180,000 | 283,000 | 1,175,000 |
| Pretax income | -184,000 | -274,000 | -339,000 | -1,132,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -184,000 | -274,000 | -339,000 | -1,132,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,258,000 | 9,790,000 | 10,722,000 | 10,255,000 |
| Total capital | 10,192,000 | 10,821,000 | 11,852,000 | 11,535,000 |
| Risk-weighted assets | 101,711,000 | 97,569,000 | 100,493,000 | 101,873,000 |
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