Call reports 2010
EMPIRE NATIONAL BANK — 2010
What EMPIRE NATIONAL BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 286,508,000 | 305,455,000 | 318,764,000 | 328,802,000 |
| Total loans | 209,342,000 | 211,279,000 | 211,066,000 | 218,488,000 |
| Allowance for loan losses | 3,577,000 | 3,670,000 | 4,073,000 | 4,216,000 |
| Securities available for sale | 58,745,000 | 78,455,000 | 91,551,000 | 92,696,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 251,443,000 | 264,140,000 | 260,907,000 | 252,191,000 |
| Interest-bearing deposits | 211,973,000 | 221,900,000 | 222,412,000 | 214,167,000 |
| Noninterest-bearing deposits | 39,470,000 | 42,241,000 | 38,495,000 | 38,024,000 |
| Equity capital | 29,201,000 | 30,534,000 | 31,807,000 | 29,964,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 3,222,000 | 6,741,000 | 10,375,000 | 13,999,000 |
| Interest expense | 729,000 | 1,477,000 | 2,167,000 | 2,845,000 |
| Net interest income | 2,493,000 | 5,264,000 | 8,208,000 | 11,154,000 |
| Noninterest income | 144,000 | 260,000 | 384,000 | 516,000 |
| Noninterest expense | 2,529,000 | 5,198,000 | 7,934,000 | 10,739,000 |
| Provision for loan losses | 112,000 | 205,000 | 608,000 | 772,000 |
| Pretax income | 102,000 | 317,000 | 782,000 | 1,945,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 102,000 | 317,000 | 782,000 | 1,945,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,055,000 | 29,336,000 | 29,870,000 | 31,088,000 |
| Total capital | 32,056,000 | 32,259,000 | 32,822,000 | 34,024,000 |
| Risk-weighted assets | 239,496,000 | 234,486,000 | 235,055,000 | 233,626,000 |