Call reports 2007
EMERALD BANK — 2007
What EMERALD BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 13,018,000 | 12,572,000 | 12,327,000 | 12,609,000 |
| Total loans | 9,565,000 | 9,954,000 | 10,491,000 | 10,658,000 |
| Allowance for loan losses | 186,000 | 189,000 | 190,000 | 171,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 752,000 | 797,000 | 798,000 | 701,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 11,932,000 | 11,437,000 | 11,163,000 | 11,430,000 |
| Interest-bearing deposits | 9,937,000 | 9,525,000 | 9,264,000 | 9,466,000 |
| Noninterest-bearing deposits | 1,995,000 | 1,912,000 | 1,899,000 | 1,964,000 |
| Equity capital | 1,017,000 | 1,046,000 | 1,065,000 | 1,080,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 233,000 | 471,000 | 719,000 | 968,000 |
| Interest expense | 86,000 | 171,000 | 256,000 | 343,000 |
| Net interest income | 147,000 | 300,000 | 463,000 | 625,000 |
| Noninterest income | 25,000 | 54,000 | 81,000 | 106,000 |
| Noninterest expense | 146,000 | 285,000 | 439,000 | 619,000 |
| Provision for loan losses | 0 | 0 | 0 | 3,000 |
| Pretax income | 26,000 | 69,000 | 105,000 | 109,000 |
| Income tax | 9,000 | 22,000 | 40,000 | 28,000 |
| Net income | 17,000 | 47,000 | 65,000 | 81,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,017,000 | 1,046,000 | 1,065,000 | 1,080,000 |
| Total capital | 1,115,000 | 1,144,000 | 1,167,000 | 1,184,000 |
| Risk-weighted assets | 7,782,000 | 7,784,000 | 8,067,000 | 8,275,000 |
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