Call reports 2020
EMPIRE NATIONAL BANK — 2020
What EMPIRE NATIONAL BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 |
|---|---|---|---|
| Total assets | 1,000,953,000 | 1,052,247,000 | 920,864,000 |
| Total loans | 669,924,000 | 697,305,000 | 680,164,000 |
| Allowance for loan losses | 6,984,000 | 7,058,000 | 7,873,000 |
| Securities available for sale | 242,483,000 | 186,310,000 | 153,246,000 |
| Securities held to maturity | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 886,577,000 | 935,532,000 | 802,963,000 |
| Interest-bearing deposits | 726,786,000 | 719,486,000 | 589,628,000 |
| Noninterest-bearing deposits | 159,791,000 | 216,046,000 | 213,335,000 |
| Equity capital | 99,286,000 | 101,255,000 | 102,706,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 |
|---|---|---|---|
| Interest income | 9,062,000 | 17,717,000 | 25,573,000 |
| Interest expense | 2,494,000 | 3,500,000 | 4,352,000 |
| Net interest income | 6,568,000 | 14,217,000 | 21,221,000 |
| Noninterest income | 495,000 | 907,000 | 1,254,000 |
| Noninterest expense | 5,609,000 | 10,190,000 | 14,375,000 |
| Provision for loan losses | 622,000 | 1,222,000 | 2,122,000 |
| Pretax income | 847,000 | 3,727,000 | 6,001,000 |
| Income tax | 155,000 | 732,000 | 1,142,000 |
| Net income | 692,000 | 2,995,000 | 4,859,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 |
|---|---|---|---|
| Tier 1 capital | 96,577,000 | 99,026,000 | 101,000,000 |
| Total capital | 103,570,000 | — | — |
| Risk-weighted assets | 626,753,000 | — | — |