Call reports 2018
EMPIRE STATE BANK — 2018
What EMPIRE STATE BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 311,709,000 | 339,485,000 | 365,949,000 | 402,853,000 |
| Total loans | 279,090,000 | 297,018,000 | 321,596,000 | 353,362,000 |
| Allowance for loan losses | 3,268,000 | 3,561,000 | 2,833,000 | 3,358,000 |
| Securities available for sale | 6,271,000 | 6,200,000 | 4,051,000 | 3,855,000 |
| Securities held to maturity | 4,881,000 | 12,416,000 | 11,895,000 | 14,337,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 230,452,000 | 269,704,000 | 292,826,000 | 299,378,000 |
| Interest-bearing deposits | 165,706,000 | 188,254,000 | 211,392,000 | 227,679,000 |
| Noninterest-bearing deposits | 64,746,000 | 81,450,000 | 81,434,000 | 71,699,000 |
| Equity capital | 27,169,000 | 27,385,000 | 27,564,000 | 29,301,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 3,115,000 | 6,526,000 | 10,334,000 | 14,760,000 |
| Interest expense | 661,000 | 1,560,000 | 2,521,000 | 3,678,000 |
| Net interest income | 2,454,000 | 4,966,000 | 7,813,000 | 11,082,000 |
| Noninterest income | 295,000 | 594,000 | 852,000 | 1,190,000 |
| Noninterest expense | 1,910,000 | 4,044,000 | 6,262,000 | 8,742,000 |
| Provision for loan losses | 305,000 | 630,000 | 1,340,000 | 1,865,000 |
| Pretax income | 534,000 | 886,000 | 1,052,000 | 1,598,000 |
| Income tax | 181,000 | 317,000 | 200,000 | 272,000 |
| Net income | 353,000 | 569,000 | 852,000 | 1,326,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,644,000 | 26,926,000 | 27,108,000 | 28,726,000 |
| Total capital | 29,571,000 | 30,036,000 | 29,941,000 | 32,084,000 |
| Risk-weighted assets | 233,800,000 | 248,351,000 | 264,813,000 | 287,525,000 |