Call reports 2012
EMPIRE NATIONAL BANK — 2012
What EMPIRE NATIONAL BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 389,566,000 | 421,731,000 | 438,002,000 | 438,399,000 |
| Total loans | 220,498,000 | 231,720,000 | 242,206,000 | 243,687,000 |
| Allowance for loan losses | 4,216,000 | 4,191,000 | 4,476,000 | 4,476,000 |
| Securities available for sale | 156,286,000 | 139,092,000 | 143,589,000 | 180,202,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 347,773,000 | 377,253,000 | 388,581,000 | 363,358,000 |
| Interest-bearing deposits | 236,968,000 | 214,594,000 | 216,956,000 | 191,193,000 |
| Noninterest-bearing deposits | 110,805,000 | 162,659,000 | 171,625,000 | 172,165,000 |
| Equity capital | 38,290,000 | 41,332,000 | 42,663,000 | 42,216,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 3,847,000 | 7,936,000 | 11,926,000 | 15,696,000 |
| Interest expense | 650,000 | 1,225,000 | 1,796,000 | 2,268,000 |
| Net interest income | 3,197,000 | 6,711,000 | 10,130,000 | 13,428,000 |
| Noninterest income | 153,000 | 305,000 | 452,000 | 606,000 |
| Noninterest expense | 2,993,000 | 6,285,000 | 9,383,000 | 12,533,000 |
| Provision for loan losses | 0 | 0 | 285,000 | 285,000 |
| Pretax income | 357,000 | 1,893,000 | 2,170,000 | 2,552,000 |
| Income tax | 0 | -1,208,000 | -1,078,000 | -1,072,000 |
| Net income | 357,000 | 3,101,000 | 3,248,000 | 3,624,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,104,000 | 39,317,000 | 40,134,000 | 40,590,000 |
| Total capital | 40,303,000 | 42,738,000 | 43,609,000 | 44,067,000 |
| Risk-weighted assets | 254,869,000 | 272,919,000 | 277,034,000 | 277,156,000 |