Call reports 2008
EMIGRANT SAVINGS BANK - BRONX/WESTCHESTER — 2008
What EMIGRANT SAVINGS BANK - BRONX/WESTCHESTER reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 1,049,365,000 | 1,034,516,000 | 1,047,241,000 | 991,671,000 |
| Total loans | 52,118,000 | 366,912,000 | 362,655,000 | 357,589,000 |
| Allowance for loan losses | 91,000 | 677,000 | 777,000 | 993,000 |
| Securities available for sale | 407,398,000 | 436,567,000 | 441,086,000 | 430,922,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 961,594,000 | 956,624,000 | 935,780,000 | 924,585,000 |
| Interest-bearing deposits | 953,516,000 | 948,796,000 | 924,432,000 | 912,581,000 |
| Noninterest-bearing deposits | 8,078,000 | 7,828,000 | 11,348,000 | 12,004,000 |
| Equity capital | 57,823,000 | 52,643,000 | 34,130,000 | 33,699,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 10,353,000 | 21,141,000 | 32,534,000 | 44,125,000 |
| Interest expense | 5,618,000 | 11,482,000 | 16,373,000 | 20,965,000 |
| Net interest income | 4,735,000 | 9,659,000 | 16,161,000 | 23,160,000 |
| Noninterest income | 487,000 | 941,000 | 1,381,000 | 1,817,000 |
| Noninterest expense | 4,848,000 | 9,232,000 | 13,734,000 | 18,272,000 |
| Provision for loan losses | 0 | 586,000 | 686,000 | 907,000 |
| Pretax income | 357,000 | 765,000 | 3,105,000 | -13,200,000 |
| Income tax | -93,000 | -78,000 | 779,000 | -1,927,000 |
| Net income | 450,000 | 843,000 | 2,326,000 | -11,273,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 65,943,000 | 64,013,000 | 55,696,000 | 54,936,000 |
| Total capital | 66,034,000 | 64,690,000 | 56,473,000 | 55,929,000 |
| Risk-weighted assets | 313,605,000 | 458,304,000 | 464,584,000 | 429,566,000 |
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