Call reports 2007
EMIGRANT SAVINGS BANK - LONG ISLAND — 2007
What EMIGRANT SAVINGS BANK - LONG ISLAND 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 | 525,102,000 | 506,427,000 | 499,800,000 | 504,730,000 |
| Total loans | 62,734,000 | 67,715,000 | 80,982,000 | 101,772,000 |
| Allowance for loan losses | 441,000 | 471,000 | 502,000 | 531,000 |
| Securities available for sale | 223,869,000 | 213,353,000 | 198,254,000 | 178,391,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 466,684,000 | 450,322,000 | 442,755,000 | 439,465,000 |
| Interest-bearing deposits | 461,824,000 | 445,856,000 | 438,547,000 | 434,083,000 |
| Noninterest-bearing deposits | 4,860,000 | 4,466,000 | 4,208,000 | 5,382,000 |
| Equity capital | 38,648,000 | 39,603,000 | 38,420,000 | 33,712,000 |
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 | 6,894,000 | 13,500,000 | 20,102,000 | 26,624,000 |
| Interest expense | 3,206,000 | 6,349,000 | 9,491,000 | 12,751,000 |
| Net interest income | 3,688,000 | 7,151,000 | 10,611,000 | 13,873,000 |
| Noninterest income | 111,000 | 214,000 | 325,000 | 459,000 |
| Noninterest expense | 2,216,000 | 4,393,000 | 6,577,000 | 8,720,000 |
| Provision for loan losses | 30,000 | 60,000 | 91,000 | 120,000 |
| Pretax income | 2,201,000 | 3,560,000 | 4,916,000 | 6,140,000 |
| Income tax | 944,000 | 1,455,000 | 1,975,000 | 2,365,000 |
| Net income | 1,257,000 | 2,105,000 | 2,941,000 | 3,775,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,333,000 | 40,315,000 | 40,541,000 | 35,474,000 |
| Total capital | 39,796,000 | 40,786,000 | 41,042,000 | 36,005,000 |
| Risk-weighted assets | 183,721,000 | 190,180,000 | 198,003,000 | 198,434,000 |
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