Call reports 2009
EMPIRE NATIONAL BANK — 2009
What EMPIRE NATIONAL BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 136,136,000 | 193,017,000 | 221,074,000 | 251,799,000 |
| Total loans | 92,222,000 | 131,536,000 | 169,506,000 | 203,202,000 |
| Allowance for loan losses | 933,000 | 1,329,000 | 1,712,000 | 3,465,000 |
| Securities available for sale | 29,436,000 | 24,123,000 | 37,087,000 | 33,975,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 93,040,000 | 164,431,000 | 171,456,000 | 201,380,000 |
| Interest-bearing deposits | 72,777,000 | 130,552,000 | 136,532,000 | 169,703,000 |
| Noninterest-bearing deposits | 20,264,000 | 33,879,000 | 34,925,000 | 31,677,000 |
| Equity capital | 27,992,000 | 26,421,000 | 25,819,000 | 28,988,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,361,000 | 3,136,000 | 5,585,000 | 8,514,000 |
| Interest expense | 296,000 | 708,000 | 1,306,000 | 1,983,000 |
| Net interest income | 1,065,000 | 2,428,000 | 4,279,000 | 6,531,000 |
| Noninterest income | 71,000 | 160,000 | 257,000 | 384,000 |
| Noninterest expense | 2,294,000 | 4,842,000 | 7,288,000 | 9,708,000 |
| Provision for loan losses | 292,000 | 688,000 | 1,071,000 | 2,824,000 |
| Pretax income | -1,444,000 | -2,884,000 | -3,751,000 | -5,533,000 |
| Income tax | 0 | -2,000 | -2,000 | -2,000 |
| Net income | -1,444,000 | -2,882,000 | -3,749,000 | -5,531,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,698,000 | 26,329,000 | 25,533,000 | 28,886,000 |
| Total capital | 28,631,000 | 27,658,000 | 27,245,000 | 31,755,000 |
| Risk-weighted assets | 124,757,000 | 164,257,000 | 200,461,000 | 228,931,000 |