Call reports 2017
EMPIRE NATIONAL BANK — 2017
What EMPIRE NATIONAL BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 797,006,000 | 836,841,000 | 875,675,000 | 899,988,000 |
| Total loans | 501,309,000 | 495,010,000 | 490,843,000 | 519,540,000 |
| Allowance for loan losses | 5,929,000 | 5,870,000 | 5,682,000 | 5,875,000 |
| Securities available for sale | 272,788,000 | 304,948,000 | 338,531,000 | 299,969,000 |
| Securities held to maturity | 3,000,000 | 4,000,000 | 4,750,000 | 4,750,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 710,513,000 | 752,966,000 | 770,008,000 | 817,193,000 |
| Interest-bearing deposits | 528,878,000 | 576,373,000 | 594,173,000 | 647,675,000 |
| Noninterest-bearing deposits | 181,635,000 | 176,593,000 | 175,835,000 | 169,519,000 |
| Equity capital | 75,172,000 | 78,455,000 | 80,393,000 | 77,658,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 6,919,000 | 14,434,000 | 22,013,000 | 29,632,000 |
| Interest expense | 606,000 | 1,437,000 | 2,529,000 | 3,817,000 |
| Net interest income | 6,313,000 | 12,997,000 | 19,484,000 | 25,815,000 |
| Noninterest income | 308,000 | 652,000 | 1,039,000 | 1,478,000 |
| Noninterest expense | 4,871,000 | 9,811,000 | 14,812,000 | 19,385,000 |
| Provision for loan losses | 130,000 | 270,000 | 434,000 | 644,000 |
| Pretax income | 1,620,000 | 3,568,000 | 5,249,000 | 5,668,000 |
| Income tax | 554,000 | 1,229,000 | 1,786,000 | 3,424,000 |
| Net income | 1,066,000 | 2,339,000 | 3,463,000 | 2,244,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 79,720,000 | 81,129,000 | 82,389,000 | 81,293,000 |
| Total capital | 85,652,000 | 87,002,000 | 88,099,000 | 87,186,000 |
| Risk-weighted assets | 503,947,000 | 498,656,000 | 521,510,000 | 544,446,000 |