Call reports 2007
EMIGRANT SAVINGS BANK - BRONX/WESTCHESTER — 2007
What EMIGRANT SAVINGS BANK - BRONX/WESTCHESTER reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 1,127,589,000 | 1,099,369,000 | 1,072,812,000 | 1,050,923,000 |
| Total loans | 29,672,000 | 32,223,000 | 38,314,000 | 46,797,000 |
| Allowance for loan losses | 55,000 | 67,000 | 79,000 | 91,000 |
| Securities available for sale | 512,580,000 | 503,013,000 | 472,114,000 | 428,003,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,018,212,000 | 1,000,021,000 | 978,080,000 | 965,434,000 |
| Interest-bearing deposits | 1,008,954,000 | 991,025,000 | 971,092,000 | 957,247,000 |
| Noninterest-bearing deposits | 9,258,000 | 8,996,000 | 6,988,000 | 8,187,000 |
| Equity capital | 79,496,000 | 82,289,000 | 79,850,000 | 68,593,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 14,296,000 | 28,498,000 | 42,615,000 | 55,851,000 |
| Interest expense | 5,845,000 | 11,779,000 | 17,809,000 | 23,888,000 |
| Net interest income | 8,451,000 | 16,719,000 | 24,806,000 | 31,963,000 |
| Noninterest income | 558,000 | 1,104,000 | 1,637,000 | 2,173,000 |
| Noninterest expense | 4,530,000 | 9,051,000 | 13,516,000 | 17,993,000 |
| Provision for loan losses | 12,000 | 24,000 | 36,000 | 48,000 |
| Pretax income | 5,603,000 | 9,879,000 | 14,022,000 | 17,226,000 |
| Income tax | 2,405,000 | 4,090,000 | 5,741,000 | 6,774,000 |
| Net income | 3,198,000 | 5,789,000 | 8,281,000 | 10,452,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 80,954,000 | 83,822,000 | 84,849,000 | 73,270,000 |
| Total capital | 81,054,000 | 83,889,000 | 84,928,000 | 73,361,000 |
| Risk-weighted assets | 389,180,000 | 408,955,000 | 423,484,000 | 404,976,000 |
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