Call reports 2019
EMPIRE STATE BANK — 2019
What EMPIRE STATE BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 417,067,000 | 418,810,000 | 421,821,000 | 420,909,000 |
| Total loans | 359,098,000 | 364,052,000 | 369,450,000 | 369,194,000 |
| Allowance for loan losses | 3,443,000 | 3,538,000 | 3,643,000 | 3,539,000 |
| Securities available for sale | 3,766,000 | 3,627,000 | 3,435,000 | 3,304,000 |
| Securities held to maturity | 13,769,000 | 13,011,000 | 12,188,000 | 12,265,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 319,157,000 | 323,414,000 | 328,311,000 | 332,044,000 |
| Interest-bearing deposits | 256,238,000 | 261,434,000 | 264,231,000 | 262,143,000 |
| Noninterest-bearing deposits | 62,919,000 | 61,980,000 | 64,080,000 | 69,901,000 |
| Equity capital | 29,759,000 | 30,202,000 | 30,572,000 | 39,326,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 4,426,000 | 8,839,000 | 13,409,000 | 17,906,000 |
| Interest expense | 1,430,000 | 2,936,000 | 4,506,000 | 6,057,000 |
| Net interest income | 2,996,000 | 5,903,000 | 8,903,000 | 11,849,000 |
| Noninterest income | 152,000 | 451,000 | 681,000 | 995,000 |
| Noninterest expense | 2,460,000 | 4,908,000 | 7,422,000 | 10,018,000 |
| Provision for loan losses | 85,000 | 180,000 | 285,000 | 325,000 |
| Pretax income | 656,000 | 1,319,000 | 1,930,000 | 2,554,000 |
| Income tax | 132,000 | 266,000 | 388,000 | 512,000 |
| Net income | 524,000 | 1,053,000 | 1,542,000 | 2,042,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,238,000 | 29,712,000 | 30,128,000 | 38,878,000 |
| Total capital | 32,681,000 | 33,250,000 | 33,758,000 | 42,417,000 |
| Risk-weighted assets | 284,210,000 | 289,624,000 | 290,358,000 | 285,047,000 |