Call reports 2013
EMPIRE STATE BANK — 2013
What EMPIRE STATE BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 148,263,000 | 140,566,000 | 161,733,000 | 149,078,000 |
| Total loans | 124,930,000 | 115,247,000 | 119,218,000 | 121,585,000 |
| Allowance for loan losses | 2,806,000 | 2,609,000 | 2,514,000 | 2,351,000 |
| Securities available for sale | 10,554,000 | 9,456,000 | 8,680,000 | 5,940,000 |
| Securities held to maturity | 0 | 1,150,000 | 13,079,000 | 14,013,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 129,362,000 | 126,825,000 | 144,561,000 | 129,212,000 |
| Interest-bearing deposits | 101,315,000 | 99,462,000 | 112,107,000 | 97,005,000 |
| Noninterest-bearing deposits | 28,047,000 | 27,363,000 | 32,454,000 | 32,207,000 |
| Equity capital | 13,227,000 | 13,243,000 | 13,674,000 | 14,344,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,614,000 | 3,144,000 | 4,776,000 | 6,430,000 |
| Interest expense | 288,000 | 535,000 | 788,000 | 1,034,000 |
| Net interest income | 1,326,000 | 2,609,000 | 3,988,000 | 5,396,000 |
| Noninterest income | 372,000 | 705,000 | 892,000 | 1,092,000 |
| Noninterest expense | 1,507,000 | 2,961,000 | 4,340,000 | 5,746,000 |
| Provision for loan losses | 970,000 | 970,000 | 970,000 | 1,000,000 |
| Pretax income | -779,000 | -617,000 | -430,000 | -242,000 |
| Income tax | 8,000 | 48,000 | 108,000 | 109,000 |
| Net income | -787,000 | -665,000 | -538,000 | -351,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,343,000 | 12,466,000 | 12,894,000 | 13,583,000 |
| Total capital | 13,759,000 | 13,833,000 | 14,310,000 | 15,030,000 |
| Risk-weighted assets | 111,894,000 | 108,137,000 | 112,164,000 | 114,884,000 |