Call reports 2016
EMPIRE STATE BANK — 2016
What EMPIRE STATE BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 208,636,000 | 226,667,000 | 246,948,000 | 236,787,000 |
| Total loans | 176,277,000 | 186,079,000 | 203,459,000 | 208,647,000 |
| Allowance for loan losses | 2,348,000 | 2,443,000 | 2,497,000 | 2,685,000 |
| Securities available for sale | 2,820,000 | 5,308,000 | 5,200,000 | 5,024,000 |
| Securities held to maturity | 10,846,000 | 7,290,000 | 6,831,000 | 6,402,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 172,545,000 | 187,249,000 | 216,735,000 | 207,537,000 |
| Interest-bearing deposits | 116,403,000 | 132,414,000 | 154,735,000 | 146,000,000 |
| Noninterest-bearing deposits | 56,142,000 | 54,835,000 | 62,000,000 | 61,537,000 |
| Equity capital | 17,697,000 | 19,882,000 | 21,246,000 | 21,649,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 2,037,000 | 4,147,000 | 6,418,000 | 8,823,000 |
| Interest expense | 292,000 | 605,000 | 954,000 | 1,317,000 |
| Net interest income | 1,745,000 | 3,542,000 | 5,464,000 | 7,506,000 |
| Noninterest income | 243,000 | 520,000 | 767,000 | 1,262,000 |
| Noninterest expense | 1,679,000 | 3,384,000 | 5,123,000 | 6,975,000 |
| Provision for loan losses | 138,000 | 288,000 | 388,000 | 573,000 |
| Pretax income | 249,000 | 544,000 | 874,000 | 1,374,000 |
| Income tax | 133,000 | 266,000 | 396,000 | 468,000 |
| Net income | 116,000 | 278,000 | 478,000 | 906,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,986,000 | 18,230,000 | 19,677,000 | 20,414,000 |
| Total capital | 17,986,000 | 20,341,000 | 21,925,000 | 22,730,000 |
| Risk-weighted assets | 159,631,000 | 168,544,000 | 179,563,000 | 184,892,000 |