Call reports 2017
EMPIRE STATE BANK — 2017
What EMPIRE STATE BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 253,913,000 | 258,854,000 | 269,360,000 | 288,556,000 |
| Total loans | 223,836,000 | 228,302,000 | 241,252,000 | 256,819,000 |
| Allowance for loan losses | 2,881,000 | 3,335,000 | 3,449,000 | 2,982,000 |
| Securities available for sale | 5,052,000 | 4,530,000 | 4,469,000 | 4,397,000 |
| Securities held to maturity | 6,069,000 | 5,762,000 | 5,440,000 | 5,146,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 216,132,000 | 208,774,000 | 208,683,000 | 218,551,000 |
| Interest-bearing deposits | 152,508,000 | 143,307,000 | 142,806,000 | 149,972,000 |
| Noninterest-bearing deposits | 63,624,000 | 65,467,000 | 65,877,000 | 68,579,000 |
| Equity capital | 21,856,000 | 23,880,000 | 24,245,000 | 26,848,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 2,471,000 | 5,176,000 | 7,868,000 | 10,752,000 |
| Interest expense | 356,000 | 781,000 | 1,276,000 | 1,801,000 |
| Net interest income | 2,115,000 | 4,395,000 | 6,592,000 | 8,951,000 |
| Noninterest income | 253,000 | 2,300,000 | 2,503,000 | 2,886,000 |
| Noninterest expense | 1,846,000 | 3,774,000 | 5,489,000 | 7,222,000 |
| Provision for loan losses | 195,000 | 1,320,000 | 1,493,000 | 1,983,000 |
| Pretax income | 379,000 | 1,653,000 | 2,165,000 | 2,684,000 |
| Income tax | 164,000 | 600,000 | 765,000 | 1,286,000 |
| Net income | 215,000 | 1,053,000 | 1,400,000 | 1,398,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,796,000 | 23,119,000 | 23,636,000 | 26,182,000 |
| Total capital | 23,290,000 | 25,642,000 | 26,276,000 | 28,936,000 |
| Risk-weighted assets | 199,106,000 | 200,996,000 | 210,363,000 | 220,061,000 |