Esquire Bank in Brooklyn, New York (NY)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Esquire Bank in Brooklyn, New York (NY)
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Esquire Bank - Overview

  • General
  • FDIC Certificate #: 58140
    Status: Active
    Federal Reserve ID: 3447820
    Date Established: October 12, 2006
    WWW: http://www.esquirebank.com
    Trust Powers Granted: No
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    Offices: 2 (Domestic: 2, Interstate: No)
    OTS Docket #: 18006
    FDIC's unique #: 440444
    Numeric code: 33
    Regulator: OCC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    FDIC Insured: Yes
    Insured Savings Institution: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: No
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: October 12, 2006
    Last Structure Change Effective Date: July 21, 2011
    Last Structure Change Process Date: July 21, 2011
    Last Data Update: July 21, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 64 Court Street, Brooklyn, NY 11201
    County: Kings
    Quarterly Banking Profile Region: New York
    FDIC Geographic Region: New York
    FDIC Supervisory Region: New York
    FDIC Field Office: New York City
    Office of the Comptroller the Currency (OCC) District: Northeast
    Office of Thrift Supervision Region: Northeast
    Metropolitan Statistical Area (MSA): New York, NY (#5600)
    Consolidated Metropolitan Statistical Area (CMSA): New York-Northern New Jersey-Long Island, NY-NJ-CT-PA (#70)
    Combined Statistical Area (CSA): New York-Newark-Bridgeport, NY-NJ-CT-PA (#408)
    Core Based Statistical Area (CBSA): New York-Northern New Jersey-Long Island, NY-NJ-PA (#35620)
    CBSA Metro Statistical Area: New York-Northern New Jersey-Long Island, NY-NJ-PA (#35620)
    Core Based Statistical Division: New York-White Plains-Wayne, NY-NJ (#35644)
  • History of Changes
  • Change in Primary Regulatory Agency
  • Financial Summary
  • Total assets: $213.8 mil
    Equity capital: $19.9 mil
    Deposits held in domestic offices: $192.4 mil
    Return on assets (ROA): -0.24% (-$0.5 mil)
    Quarterly return on assets: -0.96% (-$2.1 mil)
    Return on Equity (ROE): -2.73% (-$0.5 mil)
    Quarterly return on equity: -10.14% (-$2.0 mil)
    Net income: -$0.5 mil
    Quarterly Net income: -$0.5 mil
    Pretax return on assets: -0.24% (-$513.1 mil)
    Quarterly Pretax return on assets: -0.96% (-$2,052.2 mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

  • Dollar figures in thousands
  • 36Total employees (full-time equivalent)
  • $213,771Total assets
  • $46,750Cash and due from depository institutions
  • $45,121Interest-bearing balances
  • $88,063Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $74,151Net loans & leases
  • $670Loan loss allowance
  • $0Trading account assets
  • $1,920Bank premises and fixed assets
  • $0Other real estate owned
  • $676Goodwill and other intangibles
  • $213,771Life insurance assets
  • $2,211All other assets
  • $193,866Total liabilities and capital
  • $192,411Total liabilities
  • $144,004Total deposits
  • $192,411Interest-bearing deposits
  • $94Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $650Trading liabilities
  • $0Other borrowed funds
  • $805Subordinated debt
  • $19,905All other liabilities
  • $19,905Total equity capital
  • $19,905Total bank equity capital
  • $0Perpetual preferred stock
  • $0Common stock
  • $28,940Surplus
  • $-9,035Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $480Income earned, not collected on loans
  • $0Earning assets
  • $552Long-term assets (5+ years)
  • $207,335Average Assets, year-to-date
  • $0Average Assets, quarterly
  • $211,880Volatile liabilities
  • $216,073Insider loans
  • $82,465FHLB advances
  • $212,088Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $18,222Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $16,684Restructured Loans and leases
  • $4,821Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $7,541Total interest income
  • $827Total interest expense
  • $6,714Net interest income
  • $365Provision for loan and lease losses
  • $134Total noninterest income
  • $0Fiduciary activities
  • $24Service charges on deposit accounts
  • $0Trading account gains & fees
  • $110Additional noninterest income
  • $8,314Total noninterest expense
  • $3,871Salaries and employee benefits
  • $2,040Premises and equipment expense
  • $2,403Additional noninterest expense
  • -$1,831Pre-tax net operating income
  • $1,316Securities gains (losses)
  • $0Applicable income taxes
  • -$515Income before extraordinary items
  • $0Extraordinary gains - net
  • -$515Net income attributable to bank
  • $0Net charge-offs
  • -$515Cash dividends
  • $0Sale, conversion, retirement of capital stock, net
  • $50Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.67%Yield on earning assets
  • 0.40%Cost of funding earning assets
  • 3.27%Net interest margin
  • 0.07%Noninterest income to earning assets
  • 4.05%Noninterest expense to earning assets
  • -0.86%Net operating income to assets
  • -0.24%Return on assets (ROA)
  • -0.24%Pretax return on assets
  • -2.73%Return on equity (ROE)
  • -2.99%Retained earnings to average equity (YTD only)
  • 0.00%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 118,808Assets per employee
  • 5.94%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • -9.71%Loss allowance to loans
  • 0.90%Loss allowance to noncurrent loans
  • 139.58%Noncurrent assets plus other real estate owned to assets
  • 0.22%Noncurrent loans to loans
  • 0.64%Net loans and leases to deposits
  • 38.54%Net loans and leases to core deposits
  • 46.87%Equity capital to assets
  • 9.31%Core capital (leverage) ratio
  • 8.59%Tier 1 risk-based capital ratio
  • 22.10%Total risk-based capital ratio
  • Memoranda
  • $23Average assets
  • $211,880Average earning assets
  • $18,890Average equity
  • $205,529Average loans

List of branches

  • 2 New York Branches as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    0440444Esquire Bank64 Court Street, Brooklyn, NY 11201October 12, 2006Full Service Brick and Mortar
    1491083Garden City Branch320 Old Country Road, Garden City, NY 11530April 03, 2008Full Service Brick and Mortar

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