Call reports 2016
EMPIRE NATIONAL BANK — 2016
What EMPIRE NATIONAL BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 696,383,000 | 772,752,000 | 767,856,000 | 781,426,000 |
| Total loans | 471,549,000 | 463,001,000 | 472,824,000 | 494,274,000 |
| Allowance for loan losses | 5,443,000 | 5,460,000 | 5,489,000 | 5,799,000 |
| Securities available for sale | 204,473,000 | 282,577,000 | 265,168,000 | 264,734,000 |
| Securities held to maturity | 0 | 0 | 0 | 3,000,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 600,636,000 | 649,225,000 | 683,849,000 | 675,155,000 |
| Interest-bearing deposits | 401,942,000 | 459,129,000 | 476,718,000 | 493,384,000 |
| Noninterest-bearing deposits | 198,694,000 | 190,096,000 | 207,131,000 | 181,771,000 |
| Equity capital | 75,732,000 | 77,777,000 | 78,697,000 | 73,283,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 5,784,000 | 11,917,000 | 18,321,000 | 24,868,000 |
| Interest expense | 480,000 | 1,029,000 | 1,603,000 | 2,209,000 |
| Net interest income | 5,304,000 | 10,888,000 | 16,718,000 | 22,659,000 |
| Noninterest income | 301,000 | 593,000 | 861,000 | 1,131,000 |
| Noninterest expense | 4,353,000 | 8,864,000 | 13,543,000 | 17,964,000 |
| Provision for loan losses | 175,000 | 192,000 | 332,000 | 632,000 |
| Pretax income | 1,059,000 | 2,622,000 | 3,920,000 | 5,540,000 |
| Income tax | 376,000 | 925,000 | 1,385,000 | 1,960,000 |
| Net income | 683,000 | 1,697,000 | 2,535,000 | 3,580,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 75,412,000 | 76,504,000 | 77,422,000 | 78,532,000 |
| Total capital | 80,858,000 | 81,967,000 | 82,914,000 | 84,334,000 |
| Risk-weighted assets | 466,781,000 | 470,284,000 | 464,541,000 | 482,961,000 |