Call reports 2019
EMPIRE NATIONAL BANK — 2019
What EMPIRE NATIONAL BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 1,046,344,000 | 1,037,007,000 | 1,012,533,000 | 978,561,000 |
| Total loans | 675,319,000 | 680,775,000 | 670,337,000 | 678,697,000 |
| Allowance for loan losses | 6,463,000 | 6,557,000 | 6,374,000 | 6,362,000 |
| Securities available for sale | 281,284,000 | 273,119,000 | 254,164,000 | 222,962,000 |
| Securities held to maturity | 4,750,000 | 4,750,000 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 940,507,000 | 928,060,000 | 902,325,000 | 866,243,000 |
| Interest-bearing deposits | 759,578,000 | 741,617,000 | 714,168,000 | 705,791,000 |
| Noninterest-bearing deposits | 180,929,000 | 186,443,000 | 188,157,000 | 160,452,000 |
| Equity capital | 88,737,000 | 91,286,000 | 93,666,000 | 95,833,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 9,579,000 | 19,326,000 | 28,873,000 | 38,254,000 |
| Interest expense | 3,031,000 | 6,228,000 | 9,362,000 | 12,109,000 |
| Net interest income | 6,548,000 | 13,098,000 | 19,511,000 | 26,145,000 |
| Noninterest income | 434,000 | 1,012,000 | 1,483,000 | 1,945,000 |
| Noninterest expense | 5,667,000 | 11,254,000 | 16,566,000 | 21,587,000 |
| Provision for loan losses | 0 | 168,000 | 168,000 | 168,000 |
| Pretax income | 1,315,000 | 2,688,000 | 4,339,000 | 6,424,000 |
| Income tax | 259,000 | 530,000 | 863,000 | 1,200,000 |
| Net income | 1,056,000 | 2,158,000 | 3,476,000 | 5,224,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 91,082,000 | 92,363,000 | 93,865,000 | 95,806,000 |
| Total capital | 97,554,000 | 98,929,000 | 100,247,000 | 102,176,000 |
| Risk-weighted assets | 692,283,000 | 678,880,000 | 650,270,000 | 656,396,000 |