Call reports 2002
EMERALD BANK — 2002
What EMERALD BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 11,317,000 | 11,208,000 | 11,004,000 | 9,624,000 |
| Total loans | 8,717,000 | 8,682,000 | 8,436,000 | 7,977,000 |
| Allowance for loan losses | 329,000 | 313,000 | 302,000 | 303,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 424,000 | 423,000 | 352,000 | 352,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 10,682,000 | 10,609,000 | 10,387,000 | 8,817,000 |
| Interest-bearing deposits | 9,224,000 | 9,222,000 | 8,833,000 | 7,326,000 |
| Noninterest-bearing deposits | 1,458,000 | 1,387,000 | 1,554,000 | 1,491,000 |
| Equity capital | 570,000 | 564,000 | 570,000 | 768,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 207,000 | 408,000 | 601,000 | 785,000 |
| Interest expense | 53,000 | 102,000 | 148,000 | 191,000 |
| Net interest income | 154,000 | 306,000 | 453,000 | 594,000 |
| Noninterest income | 29,000 | 58,000 | 76,000 | 103,000 |
| Noninterest expense | 126,000 | 307,000 | 466,000 | 629,000 |
| Provision for loan losses | 6,000 | 12,000 | 18,000 | 20,000 |
| Pretax income | 51,000 | 45,000 | 45,000 | 48,000 |
| Income tax | 8,000 | 7,000 | 2,000 | 8,000 |
| Net income | 43,000 | 38,000 | 43,000 | 40,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 570,000 | 564,000 | 570,000 | 768,000 |
| Total capital | 664,000 | 656,000 | 658,000 | 846,000 |
| Risk-weighted assets | 7,246,000 | 7,123,000 | 6,795,000 | 6,037,000 |
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