Call reports 2025
EMIGRANT BANK — 2025
What EMIGRANT 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 | 5,952,816,000 | 5,777,481,000 | 5,800,556,000 | 5,766,998,000 |
| Total loans | 4,152,203,000 | 4,136,493,000 | 4,061,156,000 | 4,098,440,000 |
| Allowance for loan losses | 84,982,000 | 88,306,000 | 83,133,000 | 85,839,000 |
| Securities available for sale | 246,147,000 | 222,372,000 | 218,148,000 | 239,152,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 1,000 | 1,000 | 1,000 | 0 |
| Total deposits | 4,603,506,000 | 4,418,486,000 | 4,323,535,000 | 4,312,100,000 |
| Interest-bearing deposits | 4,379,765,000 | 4,196,916,000 | 4,112,738,000 | 4,126,821,000 |
| Noninterest-bearing deposits | 223,741,000 | 221,570,000 | 210,797,000 | 185,279,000 |
| Equity capital | 1,129,722,000 | 1,146,447,000 | 1,206,374,000 | 1,206,231,000 |
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 | 90,841,000 | 181,221,000 | 277,173,000 | 364,287,000 |
| Interest expense | 40,868,000 | 79,351,000 | 116,980,000 | 153,062,000 |
| Net interest income | 49,973,000 | 101,870,000 | 160,193,000 | 211,225,000 |
| Noninterest income | 6,728,000 | 27,370,000 | 119,796,000 | 179,598,000 |
| Noninterest expense | 62,467,000 | 129,177,000 | 198,492,000 | 276,887,000 |
| Provision for loan losses | 18,947,000 | 22,154,000 | 22,255,000 | 25,224,000 |
| Pretax income | -10,283,000 | 7,569,000 | 86,743,000 | 101,998,000 |
| Income tax | -2,280,000 | -557,000 | 21,819,000 | 26,220,000 |
| Net income | -6,558,000 | 9,337,000 | 68,582,000 | 79,469,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,040,868,000 | 1,056,766,000 | 1,116,012,000 | 1,126,901,000 |
| Total capital | 1,120,234,000 | 1,137,472,000 | 1,195,562,000 | 1,207,486,000 |
| Risk-weighted assets | 6,338,985,000 | 6,443,874,000 | 6,354,629,000 | 6,435,185,000 |