Call reports 2005
EMERALD BANK — 2005
What EMERALD BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 9,356,000 | 9,771,000 | 9,573,000 | 10,644,000 |
| Total loans | 7,223,000 | 7,739,000 | 8,153,000 | 8,479,000 |
| Allowance for loan losses | 207,000 | 210,000 | 215,000 | 191,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 701,000 | 701,000 | 699,000 | 699,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 8,492,000 | 8,885,000 | 8,667,000 | 9,716,000 |
| Interest-bearing deposits | 6,967,000 | 7,174,000 | 6,854,000 | 7,630,000 |
| Noninterest-bearing deposits | 1,525,000 | 1,711,000 | 1,813,000 | 2,086,000 |
| Equity capital | 824,000 | 839,000 | 849,000 | 862,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 140,000 | 296,000 | 460,000 | 640,000 |
| Interest expense | 25,000 | 54,000 | 89,000 | 133,000 |
| Net interest income | 115,000 | 242,000 | 371,000 | 507,000 |
| Noninterest income | 24,000 | 48,000 | 71,000 | 95,000 |
| Noninterest expense | 137,000 | 272,000 | 409,000 | 547,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,000 | 16,000 | 29,000 | 50,000 |
| Income tax | 0 | 0 | 3,000 | 11,000 |
| Net income | 1,000 | 16,000 | 26,000 | 39,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 824,000 | 839,000 | 849,000 | 862,000 |
| Total capital | 895,000 | 914,000 | 927,000 | 945,000 |
| Risk-weighted assets | 5,537,000 | 5,852,000 | 6,097,000 | 6,520,000 |
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