Call reports 2012
EMPIRE STATE BANK — 2012
What EMPIRE STATE BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 161,018,000 | 160,405,000 | 158,652,000 | 149,729,000 |
| Total loans | 127,087,000 | 127,109,000 | 124,367,000 | 124,869,000 |
| Allowance for loan losses | 1,859,000 | 1,873,000 | 1,895,000 | 1,835,000 |
| Securities available for sale | 14,327,000 | 14,004,000 | 12,916,000 | 11,578,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 140,343,000 | 139,818,000 | 138,072,000 | 129,591,000 |
| Interest-bearing deposits | 114,742,000 | 113,588,000 | 108,062,000 | 103,499,000 |
| Noninterest-bearing deposits | 25,601,000 | 26,230,000 | 30,010,000 | 26,092,000 |
| Equity capital | 13,927,000 | 14,072,000 | 14,262,000 | 14,018,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,781,000 | 3,557,000 | 5,272,000 | 6,954,000 |
| Interest expense | 412,000 | 778,000 | 1,112,000 | 1,422,000 |
| Net interest income | 1,369,000 | 2,779,000 | 4,160,000 | 5,532,000 |
| Noninterest income | 357,000 | 519,000 | 997,000 | 1,160,000 |
| Noninterest expense | 1,555,000 | 2,951,000 | 4,488,000 | 6,001,000 |
| Provision for loan losses | 191,000 | 216,000 | 396,000 | 568,000 |
| Pretax income | -15,000 | 161,000 | 303,000 | 153,000 |
| Income tax | 0 | 20,000 | 37,000 | 39,000 |
| Net income | -15,000 | 141,000 | 266,000 | 114,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,171,000 | 13,329,000 | 13,455,000 | 13,128,000 |
| Total capital | 14,625,000 | 14,762,000 | 14,891,000 | 14,522,000 |
| Risk-weighted assets | 115,886,000 | 114,195,000 | 114,407,000 | 111,112,000 |