Call reports 2025
EMPIRE STATE BANK — 2025
What EMPIRE STATE BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 631,692,000 | 645,163,000 | 621,220,000 | 616,840,000 |
| Total loans | 566,505,000 | 557,508,000 | 558,097,000 | 549,728,000 |
| Allowance for loan losses | 5,150,000 | 5,169,000 | 5,169,000 | 5,142,000 |
| Securities available for sale | 15,188,000 | 15,060,000 | 8,993,000 | 4,872,000 |
| Securities held to maturity | 7,253,000 | 7,253,000 | 7,252,000 | 7,251,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 501,944,000 | 535,818,000 | 511,510,000 | 506,668,000 |
| Interest-bearing deposits | 390,148,000 | 423,942,000 | 400,332,000 | 395,199,000 |
| Noninterest-bearing deposits | 111,796,000 | 111,876,000 | 111,178,000 | 111,469,000 |
| Equity capital | 59,794,000 | 61,092,000 | 61,991,000 | 62,964,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 7,933,000 | 15,760,000 | 23,716,000 | 31,675,000 |
| Interest expense | 3,631,000 | 7,249,000 | 10,779,000 | 14,226,000 |
| Net interest income | 4,302,000 | 8,511,000 | 12,937,000 | 17,449,000 |
| Noninterest income | 349,000 | 1,469,000 | 1,797,000 | 2,200,000 |
| Noninterest expense | 3,735,000 | 7,501,000 | 11,233,000 | 14,984,000 |
| Provision for loan losses | 10,000 | 19,000 | 16,000 | -14,000 |
| Pretax income | 946,000 | 2,466,000 | 3,529,000 | 4,703,000 |
| Income tax | 208,000 | 500,000 | 734,000 | 992,000 |
| Net income | 738,000 | 1,966,000 | 2,795,000 | 3,711,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 59,649,000 | 60,931,000 | 61,816,000 | 62,772,000 |
| Total capital | 65,049,000 | 66,242,000 | 67,142,000 | 68,043,000 |
| Risk-weighted assets | 432,002,000 | 424,724,000 | 425,985,000 | 421,516,000 |