Call reports 2021
EMPIRE STATE BANK — 2021
What EMPIRE STATE BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 527,764,000 | 516,490,000 | 504,046,000 | 515,469,000 |
| Total loans | 464,291,000 | 449,148,000 | 434,831,000 | 428,105,000 |
| Allowance for loan losses | 5,709,000 | 5,709,000 | 5,791,000 | 5,869,000 |
| Securities available for sale | 5,589,000 | 4,873,000 | 4,365,000 | 3,932,000 |
| Securities held to maturity | 0 | 0 | 1,500,000 | 7,260,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 405,653,000 | 428,073,000 | 424,193,000 | 439,351,000 |
| Interest-bearing deposits | 262,366,000 | 291,241,000 | 276,833,000 | 284,292,000 |
| Noninterest-bearing deposits | 143,287,000 | 136,832,000 | 147,360,000 | 155,059,000 |
| Equity capital | 46,664,000 | 47,925,000 | 49,351,000 | 50,888,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 5,173,000 | 10,172,000 | 15,302,000 | 20,561,000 |
| Interest expense | 585,000 | 1,074,000 | 1,451,000 | 1,798,000 |
| Net interest income | 4,588,000 | 9,098,000 | 13,851,000 | 18,763,000 |
| Noninterest income | 209,000 | 377,000 | 855,000 | 1,264,000 |
| Noninterest expense | 2,894,000 | 5,881,000 | 9,256,000 | 12,564,000 |
| Provision for loan losses | 390,000 | 510,000 | 590,000 | 670,000 |
| Pretax income | 1,513,000 | 3,084,000 | 4,860,000 | 6,793,000 |
| Income tax | 281,000 | 574,000 | 912,000 | 1,285,000 |
| Net income | 1,232,000 | 2,510,000 | 3,948,000 | 5,508,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 45,992,000 | 47,274,000 | 48,719,000 | 50,297,000 |
| Total capital | 49,687,000 | 51,072,000 | 52,636,000 | 54,390,000 |
| Risk-weighted assets | 293,582,000 | 301,955,000 | 311,504,000 | 325,639,000 |