Call reports 2022
EMPIRE STATE BANK — 2022
What EMPIRE STATE BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 542,240,000 | 504,516,000 | 561,572,000 | 588,006,000 |
| Total loans | 418,045,000 | 424,079,000 | 478,896,000 | 512,592,000 |
| Allowance for loan losses | 5,758,000 | 5,756,000 | 5,760,000 | 5,860,000 |
| Securities available for sale | 8,295,000 | 24,493,000 | 23,861,000 | 8,784,000 |
| Securities held to maturity | 8,769,000 | 8,765,000 | 8,761,000 | 7,258,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 463,471,000 | 403,063,000 | 459,360,000 | 454,602,000 |
| Interest-bearing deposits | 312,572,000 | 266,846,000 | 304,787,000 | 320,146,000 |
| Noninterest-bearing deposits | 150,899,000 | 136,217,000 | 154,573,000 | 134,456,000 |
| Equity capital | 52,094,000 | 54,490,000 | 55,409,000 | 56,479,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 4,926,000 | 9,918,000 | 15,197,000 | 21,213,000 |
| Interest expense | 344,000 | 745,000 | 1,561,000 | 2,952,000 |
| Net interest income | 4,582,000 | 9,173,000 | 13,636,000 | 18,261,000 |
| Noninterest income | 504,000 | 2,547,000 | 2,813,000 | 3,170,000 |
| Noninterest expense | 3,472,000 | 6,958,000 | 10,339,000 | 13,831,000 |
| Provision for loan losses | -113,000 | -178,000 | -178,000 | -79,000 |
| Pretax income | 1,727,000 | 4,940,000 | 6,288,000 | 7,679,000 |
| Income tax | 326,000 | 965,000 | 1,221,000 | 1,547,000 |
| Net income | 1,401,000 | 3,975,000 | 5,067,000 | 6,132,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 51,702,000 | 54,279,000 | 55,402,000 | 56,472,000 |
| Total capital | 55,888,000 | 58,598,000 | 60,123,000 | 61,434,000 |
| Risk-weighted assets | 333,319,000 | 344,115,000 | 376,617,000 | 396,085,000 |