Call reports 2015
EMPIRE STATE BANK — 2015
What EMPIRE STATE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 182,052,000 | 194,811,000 | 187,533,000 | 196,035,000 |
| Total loans | 150,906,000 | 151,322,000 | 154,627,000 | 167,912,000 |
| Allowance for loan losses | 2,143,000 | 2,154,000 | 2,204,000 | 2,206,000 |
| Securities available for sale | 4,460,000 | 4,129,000 | 4,841,000 | 4,549,000 |
| Securities held to maturity | 11,869,000 | 12,932,000 | 12,438,000 | 12,021,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 148,006,000 | 167,711,000 | 161,359,000 | 159,126,000 |
| Interest-bearing deposits | 107,056,000 | 124,913,000 | 115,357,000 | 110,056,000 |
| Noninterest-bearing deposits | 40,950,000 | 42,798,000 | 46,002,000 | 49,070,000 |
| Equity capital | 17,608,000 | 17,725,000 | 17,859,000 | 17,618,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,916,000 | 3,785,000 | 5,684,000 | 7,654,000 |
| Interest expense | 260,000 | 532,000 | 814,000 | 1,093,000 |
| Net interest income | 1,656,000 | 3,253,000 | 4,870,000 | 6,561,000 |
| Noninterest income | 253,000 | 564,000 | 1,007,000 | 1,267,000 |
| Noninterest expense | 1,668,000 | 3,350,000 | 5,138,000 | 7,439,000 |
| Provision for loan losses | 0 | 20,000 | 70,000 | 70,000 |
| Pretax income | 241,000 | 447,000 | 669,000 | 319,000 |
| Income tax | 97,000 | 171,000 | 263,000 | 145,000 |
| Net income | 144,000 | 276,000 | 406,000 | 174,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,537,000 | 15,681,000 | 15,888,000 | 15,704,000 |
| Total capital | 17,272,000 | 17,481,000 | 17,735,000 | 17,592,000 |
| Risk-weighted assets | 138,417,000 | 143,664,000 | 147,396,000 | 150,731,000 |