Call reports 2018
EMPIRE NATIONAL BANK — 2018
What EMPIRE NATIONAL BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 946,950,000 | 971,252,000 | 985,361,000 | 988,203,000 |
| Total loans | 538,150,000 | 598,635,000 | 637,557,000 | 673,569,000 |
| Allowance for loan losses | 6,091,000 | 6,013,000 | 6,227,000 | 6,463,000 |
| Securities available for sale | 294,913,000 | 290,899,000 | 279,970,000 | 268,999,000 |
| Securities held to maturity | 4,750,000 | 4,750,000 | 4,750,000 | 4,945,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 864,386,000 | 888,876,000 | 903,355,000 | 895,794,000 |
| Interest-bearing deposits | 700,929,000 | 718,045,000 | 733,084,000 | 723,591,000 |
| Noninterest-bearing deposits | 163,457,000 | 170,831,000 | 170,272,000 | 172,203,000 |
| Equity capital | 77,631,000 | 77,199,000 | 76,558,000 | 83,359,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 8,078,000 | 16,592,000 | 25,694,000 | 35,181,000 |
| Interest expense | 1,647,000 | 3,602,000 | 6,070,000 | 8,838,000 |
| Net interest income | 6,431,000 | 12,990,000 | 19,624,000 | 26,343,000 |
| Noninterest income | 432,000 | 931,000 | 1,367,000 | 1,782,000 |
| Noninterest expense | 5,769,000 | 11,282,000 | 16,469,000 | 21,974,000 |
| Provision for loan losses | 227,000 | 227,000 | 452,000 | 682,000 |
| Pretax income | 867,000 | 2,412,000 | 4,070,000 | 5,419,000 |
| Income tax | 117,000 | 410,000 | 705,000 | 968,000 |
| Net income | 750,000 | 2,002,000 | 3,365,000 | 4,451,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 85,768,000 | 87,131,000 | 88,658,000 | 89,942,000 |
| Total capital | 91,876,000 | 93,161,000 | 94,899,000 | 96,414,000 |
| Risk-weighted assets | 556,150,000 | 606,814,000 | 655,508,000 | 681,148,000 |