Call reports 2008
EMERALD BANK — 2008
What EMERALD BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 13,124,000 | 13,281,000 | 13,305,000 | 13,411,000 |
| Total loans | 10,622,000 | 10,309,000 | 10,617,000 | 11,152,000 |
| Allowance for loan losses | 175,000 | 173,000 | 176,000 | 178,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 710,000 | 711,000 | 709,000 | 708,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 11,956,000 | 12,076,000 | 12,095,000 | 12,178,000 |
| Interest-bearing deposits | 9,835,000 | 9,836,000 | 9,690,000 | 10,013,000 |
| Noninterest-bearing deposits | 2,121,000 | 2,240,000 | 2,405,000 | 2,165,000 |
| Equity capital | 1,108,000 | 1,130,000 | 1,148,000 | 1,161,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 244,000 | 474,000 | 712,000 | 949,000 |
| Interest expense | 85,000 | 159,000 | 231,000 | 299,000 |
| Net interest income | 159,000 | 315,000 | 481,000 | 650,000 |
| Noninterest income | 33,000 | 65,000 | 96,000 | 125,000 |
| Noninterest expense | 153,000 | 310,000 | 476,000 | 649,000 |
| Provision for loan losses | 3,000 | 6,000 | 9,000 | 12,000 |
| Pretax income | 36,000 | 64,000 | 92,000 | 114,000 |
| Income tax | 8,000 | 14,000 | 24,000 | 33,000 |
| Net income | 28,000 | 50,000 | 68,000 | 81,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,108,000 | 1,130,000 | 1,148,000 | 1,161,000 |
| Total capital | 1,213,000 | 1,232,000 | 1,253,000 | 1,269,000 |
| Risk-weighted assets | 8,323,000 | 8,121,000 | 8,322,000 | 8,571,000 |