Call reports 2010
EMPIRE STATE BANK — 2010
What EMPIRE STATE BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 163,484,000 | 163,603,000 | 162,550,000 | 160,773,000 |
| Total loans | 113,277,000 | 113,785,000 | 122,660,000 | 123,625,000 |
| Allowance for loan losses | 1,884,000 | 1,744,000 | 1,775,000 | 2,017,000 |
| Securities available for sale | 31,185,000 | 28,593,000 | 25,525,000 | 20,120,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 142,262,000 | 141,908,000 | 141,166,000 | 139,029,000 |
| Interest-bearing deposits | 126,606,000 | 124,613,000 | 123,557,000 | 120,321,000 |
| Noninterest-bearing deposits | 15,656,000 | 17,295,000 | 17,609,000 | 18,708,000 |
| Equity capital | 12,397,000 | 13,071,000 | 13,044,000 | 13,570,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,937,000 | 3,913,000 | 5,850,000 | 7,834,000 |
| Interest expense | 709,000 | 1,410,000 | 2,086,000 | 2,726,000 |
| Net interest income | 1,228,000 | 2,503,000 | 3,764,000 | 5,108,000 |
| Noninterest income | 164,000 | 358,000 | 543,000 | 886,000 |
| Noninterest expense | 1,239,000 | 2,609,000 | 3,932,000 | 5,285,000 |
| Provision for loan losses | 59,000 | 179,000 | 344,000 | 614,000 |
| Pretax income | 94,000 | 219,000 | 339,000 | 562,000 |
| Income tax | 0 | 0 | 0 | 55,000 |
| Net income | 94,000 | 219,000 | 339,000 | 507,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,425,000 | 11,556,000 | 11,680,000 | 12,757,000 |
| Total capital | 12,769,000 | 12,876,000 | 13,046,000 | 14,123,000 |
| Risk-weighted assets | 106,939,000 | 105,168,000 | 108,835,000 | 108,512,000 |
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