Call reports 2013
EMPIRE NATIONAL BANK — 2013
What EMPIRE NATIONAL BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 441,567,000 | 454,596,000 | 470,097,000 | 467,068,000 |
| Total loans | 239,971,000 | 254,593,000 | 272,060,000 | 294,471,000 |
| Allowance for loan losses | 4,244,000 | 4,244,000 | 4,244,000 | 4,244,000 |
| Securities available for sale | 186,245,000 | 177,011,000 | 175,224,000 | 152,639,000 |
| Securities held to maturity | 300,000 | 300,000 | 300,000 | 300,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 368,096,000 | 370,886,000 | 372,302,000 | 391,007,000 |
| Interest-bearing deposits | 203,286,000 | 206,499,000 | 206,736,000 | 213,679,000 |
| Noninterest-bearing deposits | 164,810,000 | 164,387,000 | 165,566,000 | 177,328,000 |
| Equity capital | 41,630,000 | 37,660,000 | 39,224,000 | 38,383,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 3,943,000 | 7,838,000 | 11,958,000 | 16,216,000 |
| Interest expense | 444,000 | 880,000 | 1,329,000 | 1,779,000 |
| Net interest income | 3,499,000 | 6,958,000 | 10,629,000 | 14,437,000 |
| Noninterest income | 266,000 | 530,000 | 777,000 | 1,047,000 |
| Noninterest expense | 3,310,000 | 6,472,000 | 9,746,000 | 13,030,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 455,000 | 1,020,000 | 1,664,000 | 2,305,000 |
| Income tax | 204,000 | 457,000 | 739,000 | 995,000 |
| Net income | 251,000 | 563,000 | 925,000 | 1,310,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,909,000 | 41,248,000 | 41,584,000 | 41,901,000 |
| Total capital | 44,366,000 | 44,957,000 | 45,429,000 | 46,001,000 |
| Risk-weighted assets | 275,793,000 | 296,161,000 | 307,194,000 | 327,854,000 |