Call reports 2005
EMIGRANT BANK — 2005
What EMIGRANT BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 9,635,275,000 | 10,944,501,000 | 7,972,721,000 | 10,578,049,000 |
| Total loans | 5,771,874,000 | 5,923,152,000 | 4,606,845,000 | 6,337,839,000 |
| Allowance for loan losses | 25,553,000 | 26,511,000 | 26,666,000 | 28,477,000 |
| Securities available for sale | 3,417,675,000 | 3,780,189,000 | 2,090,562,000 | 3,699,889,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 23,228,000 | 124,815,000 | 1,528,000 | 425,000 |
| Total deposits | 6,111,912,000 | 7,761,491,000 | 5,711,314,000 | 6,776,681,000 |
| Interest-bearing deposits | 5,997,216,000 | 7,622,609,000 | 5,627,327,000 | 6,679,627,000 |
| Noninterest-bearing deposits | 114,696,000 | 138,882,000 | 83,987,000 | 97,054,000 |
| Equity capital | 867,905,000 | 892,127,000 | 700,059,000 | 789,447,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 120,045,000 | 247,997,000 | 370,834,000 | 492,245,000 |
| Interest expense | 47,362,000 | 104,335,000 | 162,878,000 | 232,571,000 |
| Net interest income | 72,683,000 | 143,662,000 | 207,956,000 | 259,674,000 |
| Noninterest income | 13,955,000 | 13,142,000 | 26,411,000 | 40,037,000 |
| Noninterest expense | 51,404,000 | 101,960,000 | 148,796,000 | 193,341,000 |
| Provision for loan losses | 1,074,000 | 2,148,000 | 2,440,000 | 4,272,000 |
| Pretax income | 49,889,000 | 68,628,000 | 104,220,000 | 126,090,000 |
| Income tax | -6,408,000 | -3,501,000 | 396,000 | 2,043,000 |
| Net income | 56,297,000 | 72,129,000 | 103,824,000 | 124,047,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 868,664,000 | 886,449,000 | 690,791,000 | 781,520,000 |
| Total capital | 903,910,000 | 922,422,000 | 727,356,000 | 820,256,000 |
| Risk-weighted assets | 6,594,218,000 | 7,114,802,000 | 6,545,512,000 | 7,653,754,000 |
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