Call reports 2014
EMPIRE STATE BANK — 2014
What EMPIRE STATE BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 153,178,000 | 161,229,000 | 164,414,000 | 187,800,000 |
| Total loans | 125,702,000 | 130,409,000 | 135,940,000 | 141,195,000 |
| Allowance for loan losses | 2,384,000 | 2,386,000 | 2,039,000 | 2,105,000 |
| Securities available for sale | 5,671,000 | 5,372,000 | 5,029,000 | 4,754,000 |
| Securities held to maturity | 13,647,000 | 13,226,000 | 12,721,000 | 12,278,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 127,079,000 | 134,727,000 | 133,803,000 | 150,632,000 |
| Interest-bearing deposits | 97,212,000 | 104,047,000 | 101,586,000 | 111,766,000 |
| Noninterest-bearing deposits | 29,867,000 | 30,680,000 | 32,217,000 | 38,866,000 |
| Equity capital | 14,507,000 | 14,701,000 | 14,829,000 | 17,464,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,702,000 | 3,494,000 | 5,245,000 | 7,058,000 |
| Interest expense | 240,000 | 494,000 | 745,000 | 998,000 |
| Net interest income | 1,462,000 | 3,000,000 | 4,500,000 | 6,060,000 |
| Noninterest income | 214,000 | 394,000 | 598,000 | 1,243,000 |
| Noninterest expense | 1,440,000 | 2,938,000 | 4,451,000 | 6,213,000 |
| Provision for loan losses | 50,000 | 75,000 | 95,000 | 340,000 |
| Pretax income | 186,000 | 381,000 | 552,000 | 750,000 |
| Income tax | 25,000 | 46,000 | 64,000 | -2,299,000 |
| Net income | 161,000 | 335,000 | 488,000 | 3,049,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,746,000 | 13,921,000 | 14,073,000 | 14,440,000 |
| Total capital | 15,260,000 | 15,485,000 | 15,701,000 | 16,117,000 |
| Risk-weighted assets | 120,279,000 | 124,272,000 | 129,805,000 | 133,719,000 |