Call reports 2015
EMPIRE NATIONAL BANK — 2015
What EMPIRE NATIONAL BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 511,625,000 | 516,944,000 | 575,974,000 | 629,124,000 |
| Total loans | 385,131,000 | 401,580,000 | 427,027,000 | 461,780,000 |
| Allowance for loan losses | 4,545,000 | 4,769,000 | 5,018,000 | 5,268,000 |
| Securities available for sale | 99,414,000 | 93,906,000 | 90,518,000 | 151,043,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 409,562,000 | 427,028,000 | 507,330,000 | 523,255,000 |
| Interest-bearing deposits | 225,307,000 | 245,873,000 | 307,610,000 | 328,833,000 |
| Noninterest-bearing deposits | 184,255,000 | 181,155,000 | 199,721,000 | 194,422,000 |
| Equity capital | 62,827,000 | 62,703,000 | 64,041,000 | 73,714,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 5,015,000 | 10,409,000 | 15,952,000 | 21,504,000 |
| Interest expense | 377,000 | 759,000 | 1,185,000 | 1,642,000 |
| Net interest income | 4,638,000 | 9,650,000 | 14,767,000 | 19,862,000 |
| Noninterest income | 269,000 | 548,000 | 834,000 | 1,076,000 |
| Noninterest expense | 3,766,000 | 7,770,000 | 11,910,000 | 15,900,000 |
| Provision for loan losses | 127,000 | 357,000 | 617,000 | 867,000 |
| Pretax income | 943,000 | 2,000,000 | 3,003,000 | 4,100,000 |
| Income tax | 337,000 | 715,000 | 1,076,000 | 1,470,000 |
| Net income | 606,000 | 1,285,000 | 1,927,000 | 2,630,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 62,617,000 | 63,311,000 | 63,967,000 | 74,670,000 |
| Total capital | 67,162,000 | 68,080,000 | 68,985,000 | 79,938,000 |
| Risk-weighted assets | 383,437,000 | 396,473,000 | 415,221,000 | 443,764,000 |