Call reports 2011
EMPIRE NATIONAL BANK — 2011
What EMPIRE NATIONAL BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 329,869,000 | 339,769,000 | 310,131,000 | 339,733,000 |
| Total loans | 216,027,000 | 214,961,000 | 215,707,000 | 212,876,000 |
| Allowance for loan losses | 4,216,000 | 4,216,000 | 4,216,000 | 4,216,000 |
| Securities available for sale | 101,458,000 | 110,897,000 | 84,060,000 | 114,501,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 261,998,000 | 259,439,000 | 264,848,000 | 265,020,000 |
| Interest-bearing deposits | 219,626,000 | 210,761,000 | 217,933,000 | 219,255,000 |
| Noninterest-bearing deposits | 42,372,000 | 48,677,000 | 46,915,000 | 45,765,000 |
| Equity capital | 30,549,000 | 32,385,000 | 35,447,000 | 37,432,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 3,529,000 | 7,181,000 | 10,859,000 | 14,763,000 |
| Interest expense | 630,000 | 1,254,000 | 1,872,000 | 2,515,000 |
| Net interest income | 2,899,000 | 5,927,000 | 8,987,000 | 12,248,000 |
| Noninterest income | 117,000 | 242,000 | 372,000 | 513,000 |
| Noninterest expense | 2,626,000 | 5,332,000 | 8,111,000 | 10,990,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 390,000 | 832,000 | 3,180,000 | 3,890,000 |
| Income tax | 0 | 0 | 0 | -719,000 |
| Net income | 390,000 | 832,000 | 3,180,000 | 4,609,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,544,000 | 32,050,000 | 34,465,000 | 36,539,000 |
| Total capital | 34,497,000 | 34,995,000 | 37,409,000 | 39,528,000 |
| Risk-weighted assets | 234,995,000 | 234,335,000 | 234,273,000 | 237,896,000 |