Call reports 2011
EMPIRE STATE BANK — 2011
What EMPIRE STATE BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 161,307,000 | 162,237,000 | 163,112,000 | 160,861,000 |
| Total loans | 122,684,000 | 125,196,000 | 127,158,000 | 129,244,000 |
| Allowance for loan losses | 1,927,000 | 2,017,000 | 2,000,000 | 1,956,000 |
| Securities available for sale | 20,820,000 | 20,811,000 | 19,817,000 | 18,756,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 139,797,000 | 140,691,000 | 141,564,000 | 139,802,000 |
| Interest-bearing deposits | 119,678,000 | 118,905,000 | 118,490,000 | 119,660,000 |
| Noninterest-bearing deposits | 20,119,000 | 21,786,000 | 23,074,000 | 20,142,000 |
| Equity capital | 13,657,000 | 13,979,000 | 14,221,000 | 13,925,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,895,000 | 3,796,000 | 5,685,000 | 7,543,000 |
| Interest expense | 588,000 | 1,174,000 | 1,692,000 | 2,161,000 |
| Net interest income | 1,307,000 | 2,622,000 | 3,993,000 | 5,382,000 |
| Noninterest income | 238,000 | 630,000 | 909,000 | 1,293,000 |
| Noninterest expense | 1,443,000 | 2,788,000 | 4,208,000 | 5,644,000 |
| Provision for loan losses | 10,000 | 140,000 | 225,000 | 938,000 |
| Pretax income | 92,000 | 324,000 | 538,000 | 162,000 |
| Income tax | 10,000 | 36,000 | 59,000 | -54,000 |
| Net income | 82,000 | 288,000 | 479,000 | 216,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,867,000 | 13,074,000 | 13,267,000 | 13,184,000 |
| Total capital | 14,247,000 | 14,478,000 | 14,693,000 | 14,624,000 |
| Risk-weighted assets | 109,886,000 | 111,668,000 | 113,488,000 | 114,705,000 |