Call reports 2014
EMPIRE NATIONAL BANK — 2014
What EMPIRE NATIONAL BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 489,237,000 | 490,722,000 | 514,737,000 | 508,031,000 |
| Total loans | 314,321,000 | 325,139,000 | 351,336,000 | 379,652,000 |
| Allowance for loan losses | 4,244,000 | 4,328,000 | 4,405,000 | 4,453,000 |
| Securities available for sale | 152,150,000 | 146,388,000 | 141,309,000 | 100,617,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 391,041,000 | 421,251,000 | 411,539,000 | 395,715,000 |
| Interest-bearing deposits | 217,915,000 | 219,090,000 | 217,340,000 | 205,921,000 |
| Noninterest-bearing deposits | 173,126,000 | 202,160,000 | 194,199,000 | 189,794,000 |
| Equity capital | 40,265,000 | 42,109,000 | 42,436,000 | 61,884,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 4,374,000 | 9,113,000 | 13,788,000 | 18,540,000 |
| Interest expense | 466,000 | 919,000 | 1,300,000 | 1,677,000 |
| Net interest income | 3,908,000 | 8,194,000 | 12,488,000 | 16,863,000 |
| Noninterest income | 279,000 | 545,000 | 801,000 | 1,006,000 |
| Noninterest expense | 3,395,000 | 6,767,000 | 10,111,000 | 13,760,000 |
| Provision for loan losses | 0 | 120,000 | 195,000 | 243,000 |
| Pretax income | 792,000 | 1,856,000 | 2,987,000 | 3,893,000 |
| Income tax | 333,000 | 773,000 | 1,232,000 | 2,010,000 |
| Net income | 459,000 | 1,083,000 | 1,755,000 | 1,883,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 42,378,000 | 43,015,000 | 43,697,000 | 61,996,000 |
| Total capital | 46,622,000 | 47,343,000 | 48,102,000 | 66,449,000 |
| Risk-weighted assets | 345,677,000 | 347,835,000 | 374,378,000 | 386,986,000 |